Rheem and A.O. Smith water heaters are both fine and pretty equivalent. They only last the duration of the warrenty so if the heater you choose has a 12 yr warranty you need to start planning to replace it when it gets that old. If you don't, you are gambling every day because you could have the 1 in 100 disaster it the tank fails. Then you have a bigger problem to deal with. I understand insurance companies are also now looking at how old your water heater is and will adjust your insurance accordingly. At the end of the day if you replace your tank hot water heater on your own terms, not in an emergency, it will cost you around $1,000 installed. Not a lot of money to spend every 8-12 years on an important item in your home.
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