Top Boiler Insurance Coverage: What You Need to Know [2025]

Boiler insurance is an insurance policy on the boiler of a building. Homes, multi-unit buildings and commercial properties, especially those located in colder climates, should carry a boiler insurance policy.

Boilers need regular maintenance and repairs. The older the boiler, the more often the equipment will need repairs. Common boiler insurance covers most of the cost of repairing boilers and central heating units.

Shop around and compare insurance companies to get the best boiler insurance rates.

When Boiler Insurance is Needed

Let’s face it. Boilers and central heat never go out when it’s convenient. Boilers and heating units fail when they are most needed, often on cold, wintry nights.

When boiler maintenance is required or a central heating unit needs repairs, you must repair the unit as soon as possible, and not only to ensure peace of mind.

Boiler insurance will help you expedite the process of repairing an accidental breakdown or replacing a broken boiler, when necessary.

Boiler insurance is an insurance policy that provides coverage for boiler and central heating system repairs. Additional components of the heating system may also be covered by the policy, including electrical systems and plumbing. Boiler insurance covers the cost of repairs or the replacement of the boiler or central heating system.

Determining Insurance Policy Needs

For standard home boiler systems, coverage will often include:

• Boiler parts and labor charges for repairs
• Replacement of a boiler system, stipulations apply
• Cost for annual maintenance

Newer boilers will be less expensive to insure, as can be expected. In many cases, insurance companies will not issue a boiler policy on boiler systems older than 15 years of age. Some insurance providers will insist on an inspection of your system and will refuse to cover a unit older than seven years.

Insurance companies may also require a clause in the policy that alleviates the company from replacement costs of older boilers.

Boiler insurance, provided your boiler or heating system qualifies for coverage, will bear the brunt of a costly repair, in many cases.

Particularly useful are boiler insurance policies for owners of multi-unit buildings and landlords.

Protection against the additional expense of boiler system repairs is a major reason for landlords and investors to carry a boiler insurance policy.

Types of Insurance Coverage

Most insurance companies offer policyholders a choice between two types of boiler insurance coverage. A “boiler breakdown only” insurance policy may be purchased, or a policy for the entire central heating system may be obtained.

A boiler breakdown only policy covers just the boiler in the event of a repair need. Insuring the full central heating system covers items such as radiators and plumbing. Once you decide which type of boiler insurance you need, compare various insurance providers to get the best rates for the policy.

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How to Compare Boiler Insurance Policies

First, determine the type of insurance for a boiler you want to purchase. Next, determine the age and health of your boiler or central heating system. In some cases, an insurance company will require that you allow an inspection of the boiler system by one of their representatives before covering the unit.

Some boiler insurance providers will not cover repairs that are caused due to limescale buildup, as this issue is resolved with regular maintenance.

The appearance of a limescale buildup is indicative of a lack of proper maintenance. If you own a property, review this advice on the types of insurance coverage you should consider.

Many boiler insurance providers place limits on the age and models of the boiler systems they will cover. Additionally, insurance companies place limits regarding the number of claims and the amount of claims per year. Make sure to read the fine points of how much is covered with the boiler insurance policy you ultimately purchase.

Once you have determined the age, model and condition of your boiler system, research various insurance companies that sell boiler insurance policies. Use an online comparison site to quickly obtain a list of insurance providers in your area.

Just enter a little information about the type of policy you would like to purchase and click the “Submit” or “Search” button. A list of insurance companies is returned to you. In many cases, you may request free quotes right from the comparison website. Save time once you decide the type of boiler insurance is required by using an online comparison site.

Researching Insurance Companies

Whether you need a boiler insurance policy or any other type of insurance, it is important that your coverage is with a reputable and established insurance provider. Research each insurance company on your list of possible providers before making the final decision on which policy you will purchase.

After all, if and when you need to make a claim on your policy, you want to be assured that the company pays claims promptly. Independent raters, like AM Best grade companies on things like financial strength.

Check out a few customer review sites and look into each insurance company’s reputation for customer service. You will want to select an insurance company that provides excellent customer service and treats its customers with care and respect. Customer reviews allow consumers to review companies based on their personal experiences. Read a few customer reviews about your possible insurance providers to find out what consumers are saying about the company.

After you finish researching your potential insurance companies, make an educated decision about what type of policy is best for your needs. Select the insurance company that provides the best possible rates for your desired coverage. Online comparison sites take a lot of the legwork out of shopping for the best boiler insurance policy.