Your water heater may not be something you think about when shopping for homeowners insurance, but its age and condition may affect which insurance companies will consider your home.
Insurance carriers can have different requirements for water heaters. Some may accept an older unit, while others may have specific age limits. An older water heater does not automatically make a home uninsurable, but it can limit the options available.
Water Heater Age Requirements Vary
Some insurance companies have specific age guidelines for water heaters, and those requirements can vary by carrier.
If your water heater is older, your insurance agent can help determine which carriers may have guidelines that fit your property.
The Condition of the Water Heater Matters
Age is not the only factor. Insurance companies may also consider the overall condition and installation, including:
- Signs of rust or corrosion
- Visible leaks
- Proper installation
- Condition of connections
- Temperature and pressure relief (TPR) valve and discharge piping
carriers may require a properly installed TPR valve and discharge piping as part of their underwriting requirements.
What Should Homeowners Do?
If you have an older water heater or are unsure about its condition:
- Check old inspection reports to help determine its age.
- Consider getting an inspection to find out its age and condition.
- Check for leaks, rust, or corrosion.
- Keep records of repairs or replacement.
- Provide accurate information when applying for insurance.
Knowing the age and condition of your water heater can help avoid surprises when shopping for coverage.
Requirements Can Vary by Carrier
There is no single water heater age requirement that applies to every insurance company. One carrier may accept a water heater that another will not.
Working with an independent insurance agent who has access to multiple carriers can help you explore available options for your property.
Need Help With Florida Home Insurance?
At HomeInsuranceFlorida.com, we work with multiple insurance carriers and can help homeowners explore available home insurance options based on their property and individual circumstances.
Coverage, eligibility, requirements, and availability vary by insurance company and policy. Contact a licensed insurance agent to discuss your specific property.
