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Is it time to replace your water heater?

You are applying for a new home insurance policy, and the insurer has informed you that the age of your water heater poses a problem. Since it is over 10 or 12 years old, the insurer refuses to cover your appliance. Yet, you know many people who own a water heater that is over 15 years old and is still operating properly. Why such a large disparity?

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