As a homeowner, you always call your home insurance agent to confirm whether their company covers various damages in your home! However, have you ever sat down and thought of what will happen if your water heater suffers damage? Will the insurance step in to help you repair and replace the water heater or even pay for the damages incurred due to the breakdown? 

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We understand that this is not something that happens often. Still, you must understand how expensive it can be to repair and replace water heaters or cater for damages that may arise. Imagine the winter season has just set in and before you even clean your winter boots, your water heater bursts out of nowhere! And as you start complaining about how a cold bath clogs your nostrils, you realize that there is a flood in your basement. Then you look on the other edge. You notice that the water has taken a toll on the drywall, the new furniture you were keeping in the basement, and the carpet.

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You decide that the best option is to step into the freezing water in your bathroom and cool off your anxiety. However, you remember that you heard somewhere that homeowner’s insurance covers such damages. But your mind keeps telling you, is this true, or am I just trying to stay positive! Knowing what your homeowner’s insurance policies cover is essential for your peace of mind.

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In this piece, we’ll have taken the prerogative to help you understand if a home water heater is or not covered by home insurance.