Water Heater Coverage

Standard Water Heater

We cover standard residential water heaters up to 75 gallons. We cover both gas and electric units. Tankless water heaters require separate coverage for an additional fee.



The thermocouple controls the gas glow in gas water heaters. It is a safety device meant to shut off the gas supply in the gas valve assembly if the pilot light goes out.

Standard Thermostat

The thermostat controls the temperature of the water within the water heater tank.

High Limit Thermostat

the high limit thermostat is a safety device to ensure that the water heater doesn’t get too hot.

Anode Rod

The anode rod prevents corrosion to the metal elements of the water heater tank

Overload Protector

This prevents electricity from overloading and possibly coming in contacting with plumbing components or water.

Flame Sensor

The flame sensor controls the gas glow in gas water heaters. It is a safety device meant to shut off the gas supply in the gas valve assembly if the pilot light goes out.

Gas Valve Assembly

This is a small component on the outside of the water heater, usually towards the bottom. This is where the gas line connects to the unit, and the gas valve controls the flow of gas to the pilot light and burners.

Temperature Regulator

Just like a thermostat, the temperature regulator controls the temperature of the water in the water heater. It is usually attached to the water heater and operated by turning a dial.

Dip Tube

Cold water flows into the dip tube towards the bottom of the water heater, where it is heated.

Drain Valve

The drain valve is located toward the bottom of the water heater, and allows the unit to be drained to remove sediment, repair interior components, or move the unit.


Relays manage the flow of electricity.

Air Diverter

For gas units with a blower that do not have a straight flue, the air diverter helps exhaust from the unit to properly escape.


The burners act just like burners on a stove: they create heat that is transferred to the water.

Not Covered

Auxiliary Tanks & Components

These items are completely separate from the water heater and can be changed or removed independently of the water heater.

Fuel Storage Tank - For homes that do not receive natural gas from a local utility company, a fuel storage tank holds fuel, usually propane or natural gas, in a receptacle exterior to the home. The tank provides fuel for the home, including items like the furnace, oven, stove, and gas water heater.

Energy Conversation Unit - This uses excess heat created by the HVAC system to assist with heating water. It is not a common item in most homes.

Recirculation Pump - This pump keeps hot water circulating through pipes, cutting down the delay time from turning on hot water to receiving hot water. These pumps are separate from the hot water heater and are not a common feature.

Auxiliary Holding & Storage Tanks - These include items like expansion tanks that are separate from the water heater, even if their function is somewhat related to the presence of the water heater. We're here to cover the water heater itself.

Commercial Grade and Size Equipment

Our plans are for residential appliances and systems, so any commercial water heating equipment or water heaters over 75 gallons will not be covered.

Rust, Corrosion, & Sediment

Sediment build-up is easy to control by flushing the system annually, which is a task anyone can do themselves. 

Rust, either from external moisture or internal issues, is preventable and not covered.

Corrosion occasionally results from chemicals and minerals in water, and routine flushing or draining will keep these issues in check as well.

Code Violations & Upgrades

We're here if your system experiences a failure, but upgrading the system or bringing it into compliance with laws and codes is the homeowner's responsibility.


The flue allows exhaust from gas water heaters to exit the home. It contains no mechanical parts and usually fails from damage, weather in exposed attics, or a settling home.


We're here if you experience a failure, but if the unit works and is merely noisy, we suggest flushing the unit or looking online for tips to help it operate more quietly.


Installation often requires permits and code upgrades that are not part of the water heater itself.

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