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November 2025
TOP WATER HEATER WARRANTY SERVICES

Best Water Heater Warranty Companies For 2025
Safeguard Your Home and Finances Against Unplanned Repair Costs

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  • USA licensed USA licensed
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Last offers update: November 2025

MOST POPULAR
Coupon

40% Off Home Warranties!
$150 OFF ANY PLAN
FREE ROOF COVERAGE
2 EXTRA MONTHS FREE

Excellent
9.8
Get Free Quote
OUR #1 CHOICE
Coupon

Fall Sale $50 Off + 1 Month Free

Exceptional
9.9
Get Free Quote
BEST IN SERVICE
Coupon

Get a $100 Instant Discount! PROMO CODE: PROTECT

Very Good
9.7
Get Free Quote
1
OUR #1 CHOICE
Show/hide extra details See extra details & advantages
Coupon

Fall Sale $50 Off + 1 Month Free

  • $50 Off all plans.
  • First month free.
  • Handled over 8 million claims.
  • 24/7 customer support.
  • No home inspection required.
Exceptional
9.9
Get Free Quote 888-275-3385
Visit Site
Pros & Cons Pros & Cons
  • No prior home inspection required.
  • Generous coverage limits at this price range.
  • Access repairs are covered if contractor needs to get into walls, floors or ceilings.
  • Coverage is available in most states.
  • Not available in Washington.
  • Can’t choose your contractor.
Full Review
Why We Picked It Expand sign

Choice Home Warranty offers plans with high coverage limits, is available in most states and is great for homeowners on a budget.

1
OUR #1 CHOICE
Coupon

Fall Sale $50 Off + 1 Month Free

Exceptional
9.9
Get Free Quote 888-275-3385
Get Free Quote

• Handled Over 5 Million Claims.
• 24/7 Expert Phone Support.
• No home inspection.
• Plans include appliances.

Visit Site
2
MOST POPULAR
Show/hide extra details See extra details & advantages
Coupon

40% Off Home Warranties!
$150 OFF ANY PLAN
FREE ROOF COVERAGE
2 EXTRA MONTHS FREE

  • Limited Time Offer: Select Members Save Up to 75% at Nike, Costco, Home Depot & More!
  • Check Icon Free roof coverage.
  • Trusted by 1,000s of homeowners each week.
  • Multi-year discount available.
  • No home inspection required.
Excellent
9.8
Get Free Quote 855-554-5307
Visit Site
Pros & Cons Pros & Cons
  • Make a Claim 24 / 7 / 365
  • Free roof coverage
  • Trusted by 1,000s of homeowners each week
  • Multi-year discount available
  • No home inspection required
  • Service availability may vary by location.
Full Review
Why We Picked It Expand sign

Select Home Warranty stands out for its extensive coverage options, 24/7 customer support. With flexible plans, affordable pricing, and optional add-ons, it offers homeowners peace of mind and reliable protection against unexpected repair costs.

2
MOST POPULAR
Coupon

40% Off Home Warranties!
$150 OFF ANY PLAN
FREE ROOF COVERAGE
2 EXTRA MONTHS FREE

Excellent
9.8
Get Free Quote 855-554-5307
Get Free Quote

• Limited Time Offer: Select Members Save Up to 70% at Nike, Costco, Home Depot & More!
• Free Roof Leak Coverage.
• 40% Off + 2 Bonus Months.
• Plans Start Under $1/Day.

Visit Site
3
BEST IN SERVICE
Show/hide extra details See extra details & advantages
Coupon

Get a $100 Instant Discount! PROMO CODE: PROTECT

  • Roof coverage.
  • Fast claim dispatch.
  • Seniors and veterans discount available.
Very Good
9.7
Get Free Quote 877-769-8539
Visit Site
Pros & Cons Pros & Cons
  • Covers a wide range of home systems and appliances.
  • Offers multiple plans to fit different budgets and needs.
  • Higher tier plans include unique bonus coverages such as shower arms and garage doors springs.
  • Service availability may vary by location.
Full Review
Why We Picked It Expand sign

First American Home Warranty provides reliable home protection plans with extensive coverage options, affordable pricing, and a wide contractor network. Homeowners benefit from flexible coverage and a hassle-free claims process.

3
BEST IN SERVICE
Coupon

Get a $100 Instant Discount! PROMO CODE: PROTECT

Very Good
9.7
Get Free Quote 877-769-8539
Get Free Quote

• 500K+ Homeowners Trust It.
• Custom Plans Available.
• Optional AC & Pool Coverage.

Visit Site
4
Show/hide extra details See extra details & advantages
Coupon

$150 OFF + 1 MONTH FREE

  • Roof coverage.
  • Fast claim dispatch.
  • Seniors and veterans discount available.
Very Good
9.6
Get Free Quote 888-616-9872
Visit Site
Pros & Cons Pros & Cons
  • Enrollment doesn't require a home inspection.
  • Customizable payment plans to suit individual budgets.
  • Add-ons available for pools, spas, well pumps, and other unique systems.
  • Affordable service call fees starting at $75.
  • Certain limitations and exclusions may apply; reviewing the agreement is essential.
  • Pre-existing conditions and improper maintenance may result in claim denial.
Full Review
Why We Picked It Expand sign

Home Warranty of America offers flexible, comprehensive plans with 24/7 service, affordable pricing, and reliable coverage, making it a trusted choice for home protection.

4
Coupon

$150 OFF + 1 MONTH FREE

Very Good
9.6
Get Free Quote 888-616-9872
Get Free Quote

• Eco Upgrade: GreenPlus Plan.
• No Inspection Requirements.
• 25+ Years Of Trusted Service.

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5
Show/hide extra details See extra details & advantages
Coupon

$75 OFF + 1 MONTH FREE

  • 24/7 Customer Support.
  • Nationwide trusted technicians.
  • No Inspection Required.
  • More than 25,000 Contractors Nationwide.
Very Good
9.5
Get Free Quote 800-531-0015
Visit Site
Pros & Cons Pros & Cons
  • Covers a broad range of home systems and appliances with flexible plans.
  • Quick and efficient claims process available online or via phone.
  • No home inspection required before enrolling.
  • Provides optional add-ons for specialty items like septic systems and water softeners.
  • Competitive pricing with no hidden fees or unexpected costs.
  • Coverage availability may vary by location.
  • Some exclusions apply for pre-existing conditions or improper maintenance.
Full Review
Why We Picked It Expand sign

Home Service Club offers flexible, comprehensive plans with fast claims processing, 24/7 support, and transparent pricing, making it a trusted choice for reliable home protection.

5
Coupon

$75 OFF + 1 MONTH FREE

Very Good
9.5
Get Free Quote 800-531-0015
Get Free Quote

• Coverage Starts In 10 Days.
• 24/7 Award-Winning Support.
• Systems + Appliances Plans.

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Our Best Overall Provider

1
OUR #1 CHOICE
Show/hide extra details See extra details & advantages
Coupon

Fall Sale $50 Off + 1 Month Free

  • $50 Off all plans.
  • First month free.
  • Handled over 8 million claims.
  • 24/7 customer support.
  • No home inspection required.
Exceptional
9.9
Get Free Quote 888-275-3385
Visit Site
Pros & Cons Pros & Cons
  • No prior home inspection required.
  • Generous coverage limits at this price range.
  • Access repairs are covered if contractor needs to get into walls, floors or ceilings.
  • Coverage is available in most states.
  • Not available in Washington.
  • Can’t choose your contractor.
Full Review
Why We Picked It Expand sign

Choice Home Warranty offers plans with high coverage limits, is available in most states and is great for homeowners on a budget.

1
OUR #1 CHOICE
Coupon

Fall Sale $50 Off + 1 Month Free

Exceptional
9.9
Get Free Quote 888-275-3385
Get Free Quote

• Handled Over 5 Million Claims.
• 24/7 Expert Phone Support.
• No home inspection.
• Plans include appliances.

Visit Site

What is Water Heater Insurance?

Water heater insurance, often offered as part of a home warranty plan, provides coverage for the repair or replacement of your water heater in the event of a breakdown due to normal wear and tear. Unlike homeowners insurance, which covers damage from external events, water heater insurance focuses on the internal components of your water heater system, ensuring you have hot water when you need it most.

Key Benefits of Water Heater Insurance

  • Protection against unexpected repair or replacement costs.
  • Coverage for both tank and tankless water heaters.
  • Access to a network of qualified service technicians.
  • Simplified claims process with minimal paperwork.
  • Peace of mind knowing you're covered for water heater failures.

Who Should Consider Water Heater Insurance?

Water heater insurance is ideal for homeowners who want to protect themselves from the high costs associated with water heater failures. It's especially beneficial for those with older units, properties in areas with hard water, or homes without comprehensive maintenance plans. By investing in water heater insurance, you can avoid unexpected expenses and ensure your home remains comfortable year-round.

What Does Water Heater Insurance Cover?

  • Repair or replacement of the water heater unit.
  • Coverage for internal components such as thermostats, heating elements, and gas control valves.
  • Labor costs associated with installation or repair.
  • Optional add-ons like tankless water heater coverage or extended warranties.

What’s Typically Not Covered

  • Damage caused by external factors like fire, flooding, or earthquakes.
  • Pre-existing conditions or issues known before coverage begins.
  • Improper installation or misuse of the water heater.
  • Routine maintenance or cleaning services.
  • Cosmetic damage or issues not affecting functionality.

Conclusion

Investing in water heater insurance is a proactive way to protect your home and budget from unexpected repair or replacement costs. By understanding the coverage options and exclusions, you can select a plan that aligns with your needs and provides peace of mind. Ensure your home remains comfortable and your water heater operates efficiently by considering water heater insurance as part of your overall home protection strategy.

Our Top 3 Home Warranty

1
Check out Choice Home Warranty Review
Get Free Quote
Choice Home Warranty offers plans with high coverage limits, is available in most states and is great for homeowners on a budget.
  • No prior home inspection required.
  • Generous coverage limits at this price range.
  • Access repairs are covered if contractor needs to get into walls, floors or ceilings.
  • Coverage is available in most states.
  • Not available in Washington.
  • Can’t choose your contractor.
Logo image

Choice Home Warranty

Get Free Quote
2
Check out Select Home Warranty Review
Get Free Quote
Select Home Warranty stands out for its extensive coverage options, 24/7 customer support. With flexible plans, affordable pricing, and optional add-ons, it offers homeowners peace of mind and reliable protection against unexpected repair costs.
  • Make a Claim 24 / 7 / 365
  • Free roof coverage
  • Trusted by 1,000s of homeowners each week
  • Multi-year discount available
  • No home inspection required
  • Service availability may vary by location.
Logo image

Select Home Warranty

Get Free Quote
3
Check out First American Review
Get Free Quote
First American Home Warranty provides reliable home protection plans with extensive coverage options, affordable pricing, and a wide contractor network. Homeowners benefit from flexible coverage and a hassle-free claims process.
  • Covers a wide range of home systems and appliances.
  • Offers multiple plans to fit different budgets and needs.
  • Higher tier plans include unique bonus coverages such as shower arms and garage doors springs.
  • Service availability may vary by location.
Logo image

First American

Get Free Quote

Frequently Asked Questions

What is a water heater warranty?

A water heater warranty is a service agreement that covers the repair or replacement of your water heater when it fails due to normal wear and tear. It helps protect your home from unexpected costs and ensures you have reliable hot water.

How is a water heater warranty different from homeowners insurance?

A water heater warranty covers mechanical or electrical failures of the unit due to normal use, such as leaks, faulty heating elements, or thermostats. Homeowners insurance only covers damage from unexpected events like floods, fire, or theft—not regular breakdowns.

What does a typical water heater warranty cover?

Most plans cover tank leaks, heating elements, thermostats, valves, and other essential components. Some providers offer optional coverage for tankless water heaters, expansion tanks, or advanced features.

Are pre-existing water heater problems covered?

Pre-existing issues—problems that were known or should have been known before the warranty began—are generally not covered. Some providers may offer limited coverage for issues that were undetectable.

Can I get a warranty for an older water heater?

Yes, many providers cover older units, though age limits or higher service fees may apply depending on the unit's condition.

How much does a water heater warranty cost?

Annual costs typically range from $100 to $300, depending on coverage level and provider. Service call fees usually range from $50 to $125 per repair visit.

How do I file a claim for water heater repairs?

Claims can be filed online or by phone. The provider will send a licensed technician to diagnose and repair the problem. If the issue is covered, you’ll only pay the service fee.

Is there a limit to the number of service claims?

Most plans allow multiple service requests, but coverage limits usually apply per appliance or per contract term. Check your plan for details.

Can I choose my own repair technician?

Most providers require using their network of approved technicians. Some plans allow you to hire your own licensed professional, subject to approval and reimbursement policies.

When does water heater warranty coverage begin?

Coverage typically starts 30 days after purchase. Some providers may offer immediate coverage if you are renewing or switching from another plan.

Are optional coverage upgrades available?

Yes, optional add-ons may include coverage for tankless water heaters, expansion tanks, or other advanced system components.

Who should consider a water heater warranty?

Water heater warranties are ideal for homeowners or renters who want predictable repair costs, protection for aging units, and professional service without unexpected expenses.

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