Home Warranty Water Heater Coverage When You Need it

Have you asked yourself if home warranty plans with home water heater coverage are necessary? Think about your daily routine of washing dishes or doing your laundry, even your morning shower. You probably don’t think about how and where the hot water comes from. But what happens when these activities require hot water and the water goes cold unexpectedly? That hot shower turning cold first thing in the morning won’t be the start to your day that you want.

A sudden cold shower or broken water heater can ruin your day—and your budget. That’s why many homeowners ask: “Does a home warranty cover water heaters?” The answer is yes—with Liberty Home Guard’s home warranty water heater coverage, you’ll be protected against costly repairs and replacements.

Does A Home Warranty Cover Water Heaters?

Yes. With Liberty Home Guard, both tank and tankless water heaters are covered under our heating system and hot water system service plans. That means if your water heater stops working due to normal wear and tear, you can file a claim, and we’ll send a licensed professional to repair or replace it.

Unlike a manufacturer’s warranty that only applies to new units, a home warranty for water heaters covers you even when your system is older or out of factory warranty.

How a Home Warranty Can Replace Your Water Heater

Many homeowners ask: “Will a home warranty replace a water heater if it fails?” In most cases, yes. If the problem can’t be repaired affordably or safely, Liberty Home Guard will arrange for a full home warranty water heater replacement. You’ll only pay a small service fee—avoiding the $1,000–$2,000 or more it can cost out of pocket.

Typical Repair and Replacement Costs Without Coverage

Like just about anything, prices vary locally and based on a variety of factors. But here are a few reference points for costs when you opt against having coverage: 

• Average water heater repair: $350–$800
• Tank water heater replacement: $1,200–$2,800
• Tankless water heater replacement: $3,000+

With Liberty Home Guard, your cost is limited to a low service fee per claim, and your water heater protection plan takes care of the rest.

What’s Included in Liberty Home Guard Water Heater Coverage

Our furnace and water heater home warranty plans cover the most common parts and components homeowners rely on.

Covered components may include:

• Standard tank water heaters
• Tankless water heaters
• Circulating pumps

Not typically covered:

• Storage tanks
• Fuel storage tanks
• Energy conservation units

Your plan documents will spell out the exact terms of coverage, so you always know what’s included.

Is Water Heater Coverage Worth It?

In most cases, absolutely. A home warranty with water heater protection gives you peace of mind and financial security. It’s especially valuable if:

• Your water heater is more than 5 years old
• You want to avoid high replacement costs
• You don’t have the time or expertise to manage repairs

The question of whether home warranty water heater coverage is worth it ultimately depends on your individual circumstances, including the age and condition of your water heater, your budget, and your tolerance for risk. Here are some factors to consider when evaluating the value of a home warranty for your water heater:

Age of Your Water Heater: If your water heater is relatively new and still covered by the manufacturer's warranty, you may not need additional coverage. However, if your water heater is several years old and approaching the end of its lifespan, a home warranty can provide valuable peace of mind against unexpected breakdowns.

Cost of Repairs or Replacement: Consider the potential cost of repairing or replacing your water heater without coverage. A single repair or replacement can easily cost hundreds or even thousands of dollars, depending on the extent of the damage and the type of water heater you have. A home warranty can help offset these expenses and make budgeting for home maintenance more predictable.

Frequency of Repairs: If your water heater has a history of frequent breakdowns or requires regular maintenance, a home warranty can save you money in the long run by covering the cost of repairs and replacements.

Overall Coverage Needs: In addition to water heater coverage, consider whether you would benefit from coverage for other appliances and systems in your home. Many home warranty companies offer comprehensive plans that bundle coverage for multiple items, providing greater value for homeowners who require coverage for a range of household systems and appliances.

Budget Considerations: Evaluate whether the cost of a home warranty fits within your budget and whether the potential benefits outweigh the annual premium and any service fees or deductibles.

Instead of worrying about “does home warranty cover water heater replacement?” you’ll know you’re already covered. And let’s be honest, you’ll never or rarely know if you’ll need before it’s too late. Now, there are some different options out there, one of which we’ll get into next.

Home Warranty vs. Homeowners Insurance for Water Heaters

Homeowners insurance usually does not cover the cost of repairing or replacing a failing water heater. Insurance only applies if the damage was caused by a covered peril such as fire or flooding.

A home warranty for water heaters is different—it covers normal wear and tear and ensures your system is repaired or replaced quickly when it breaks down.

Why Liberty Home Guard Is the Best Choice for Water Heater Coverage

When you choose Liberty Home Guard, you get more than just protection—you get award-winning service and 24/7 support. We connect you with certified technicians, cover both repairs and replacements, and make the claims process simple.

That’s why thousands of homeowners trust us as the best home warranty for water heater and heating system coverage.

There is never a time that not having hot water is a good time. With a home warranty plan from Liberty Home Guard, you won’t have to be.  Give us a call today at (866) 699-4589 and see what we can do to get you covered!