An old or malfunctioning water heater can leave you without hot water and may even damage parts of your home. Does homeowners insurance cover water heaters? Here’s what you should know.

The short answer to whether homeowners insurance covers plumbing is, “It depends.” Policies differ on an individual basis. That said, there’s one thing that is almost universally left out of policies: Preexisting damage.

If you have plumbing issues, you may be frantically wondering, Will my homeowners insurance cover this?! Consult this guide to learn what plumbing issues are covered by most homeowners insurance, plumbing insurance and home warranty policies and plans.

You might be surprised to learn that your homeowners insurance policy probably doesn’t cover sewer line repairs. If something were to happen to your sewer lines, you might have to pay out of pocket to repair or replace them.  To protect yourself from these kinds of financial mishaps, you might want to invest in sewer line insurance.

Water heaters are an essential home appliance. Most homeowners insurance policies won’t cover water heater repairs, but a home warranty may pick up the slack. So if you want to keep enjoying hot showers, you should know all about home warranty coverage for water heaters.