Talk of The Villages Florida - View Single Post - Downsizing hot water tank
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Old 08-26-2024, 07:44 PM
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Originally Posted by Arctic Fox View Post
Thank you all, as ever, for your sage advice.

Hopefully this one will keep going for a few more years - surprisingly, the insurance company has never raised the issue of the age of our major appliances.
Hopefully you won’t need a new homeowners policy with your older tank. I am in the process of pricing a new policy since Farmers is dumping us. Insurers require a 4 point inspection that includes the age of the water heater. Ours is 2007 vintage and we are either being denied or charged about an extra $500 unless we replace the water heater. The heater works perfectly fine, but for about $900 it looks like we will be replacing a perfectly functional 40 gallon electric heater with a new model. I wouldn’t consider a 30 gallon for already stated reasons. Plus, when we have guests visit there is a possibility we could run short of hot water and the savings is minimal.