Nov 1, 2025
Home Insurance Tips for Water Heater Safety
When it comes to protecting your home, few issues cause as much unexpected damage as a leaking water heater. A burst or faulty tank can lead to flooding, expensive repairs, and potential insurance claims. Here are four essential tips to help you maintain your water heater and keep your home insurance coverage strong.
1. Know the Age and Condition of Your Water Heater
Most water heaters have a lifespan of about 10 to 12 years. If yours is approaching that age, it’s important to start monitoring it closely for any signs of corrosion, rust, or leaks.
A good habit is to note the installation date — you’ll usually find it on the manufacturer’s label. If you’ve recently purchased a new home, ask your inspector about the tank’s age and condition.
👉 Replacing an older unit before it fails can save you thousands in potential water damage and claims.
2. Drain and Maintain the Tank Regularly
Over time, minerals and sediment build up inside your tank, reducing efficiency and increasing the risk of internal corrosion. Experts recommend draining your water heater once or twice a year.
This simple task helps extend the unit’s lifespan and maintain optimal performance. If you’re not comfortable doing it yourself, hire a licensed plumber to handle the maintenance safely.
3. Install a Leak Detector and Safety Valve
Smart water leak detectors are small devices that alert you instantly when a leak is detected. Some even connect to your smartphone, allowing you to act before damage spreads.
Also, make sure your pressure relief valve is functioning correctly. This valve prevents dangerous pressure buildup and is an essential safety feature on all modern water heaters.
4. Review Your Home Insurance Policy
Not all home insurance policies cover the same level of water damage. Some may exclude damage caused by gradual leaks or poor maintenance.
It’s a good idea to review your policy and confirm what’s covered. If you’re unsure, contact your insurer or speak with one of our advisors at Bonjour Assurance to make sure your plan provides full protection.
For a detailed overview of coverage options and how they relate to household risks, check out our Ultimate Insurance Guide.
Final Thoughts
Your water heater might not be something you think about often — until it causes a problem. Regular inspections, timely replacements, and the right insurance coverage can make all the difference in protecting your home.
For more information and personalized advice, visit Bonjour Assurance or read our Ultimate Insurance Guide.
Original reference: iA Financial Group – 4 Key Tips: Water Heaters and Home Insurance
More Details