Does a Home Warranty cover Water Heater replacement?

by Team HomeServe |
HomeServe Assistant

Protecting your home systems and appliances can seem daunting. But when you have a home warranty plan in place, dealing with unexpected home repairs can be a bit less scary.

Each home warranty plan offers slightly different coverage, so you'll have to consider the systems and appliances you want to cover. It's likely that your water heater will make the list, as it's such an expensive and vital appliance. (I like your thinking - I take my hot water seriously, too.)


The question that arises with many homeowners is whether a home warranty covers water heater repairs and replacement. The short answer is yes. The longer answer is that it depends on the home warranty plan you choose. Here's what you need to know:

What does a home warranty cover?

Some home warranty plans cover a particular system, such as heating and cooling, plumbing or electrical. Some plumbing plans will include issues relating to the water heater, but may not cover the full replacement cost of the appliance. However, there are warranty plans that offer coverage for appliance repair and replacement caused by normal wear and tear or unforeseen issues.

The lesson here is that when you're researching different plans, your first port of call should be asking about the details of the coverage. If water-heater replacement, for example, is one of your biggest concerns, make sure it's included in the plan you choose. Plus, make sure you understand the limitations of the coverage, such as cut-off amounts for how much of a repair cost the warranty covers. Water-heater replacement can sometimes cost close to $3,000, so you'll want to know how much of that you would have to pay out of pocket.

Learn More About Home Warranty Plans Near You

What are the signs of water heater troubles?

While help is a phone call away when you are prepared with a plan, you'll still need to recognize the signs of trouble to know when to pick up the phone. First up, make sure you know whether your water heater is gas or electric. The difference is important for regular maintenance as well as repair and replacement costs. Make sure you're familiar with the early warnings of water heater problems, such as leaking and varying temperatures, so you can get a professional in to inspect the issue before it gets worse.

See how plans from TotalHome Warranty by HomeServe can help with the costs of covered appliance and home system repairs.