Marty: Hello. Marty Johnson, JMW Insurance Solutions, here to talk about will homeowners insurance cover your water heater? No, it will not. It’ll cover the damage the water heater creates, but it will not cover the replacement of the water heater. You will need to see a licensed plumber for that, and get that taken care of. Check out our concierge page on our website we might have some licensed professionals that we trust, and go from there. Again homeowners insurance will not cover the replacement of your water heater, but it will cover the damage. Thank you very much. Have a great day.