Steel Oil Tanks vs Fiberglass Oil Tanks
Start with your home insurer: how long will they allow you to keep a steel tank versus a fiberglass tank before requiring replacement? Get both answers in writing, then compare the prices.
Ask Your Insurer First. Get It in Writing.
Confirm the replacement requirements for both tank types
Ask your home insurer how many years they will allow for a steel tank and a fiberglass tank before requiring replacement. Ask how they count those years and what conditions apply. Get the requirements for each tank type in writing.
Compare insurers at renewal
Ask other insurers what they offer for each tank type and get their answers in writing too. Use those offers to negotiate at your home insurance renewal. Compare the full policy terms, not just the tank replacement requirement; a different offer is not guaranteed.
Decide whether the extra years justify the price
Get comparable steel and fiberglass quotes for your installation, including what each quote covers and the total payable if financed. Compare the price difference with the additional years, if any, your chosen insurer will allow you to keep the fiberglass tank. That is the basis for deciding whether fiberglass makes economic sense for you, rather than assuming it is always the better choice.
Insurers typically require tank replacement before the tank's warranty expires. An insurer's replacement requirement is not a tank lifespan or a warranty. Get your own insurer's requirements in writing; neither material guarantees insurance coverage or savings.
Side-by-Side Comparison
| Topic | Steel oil tanks | Fiberglass oil tanks |
|---|---|---|
| Cost | Monthly payment plans for double bottom steel tanks are listed below. | Generally cost more than steel tanks. |
| Financing | 2 and 3 year plans for inside and outside tanks. | Financing available. Ask us for a custom quote. |
| Listed plan inclusions | Certified installation, old tank removal and all taxes are included in the listed steel plans. | Ask what is included in your custom quote. |
| Home insurance | Insurer requirements vary. Confirm coverage with your own insurer. | If your insurer covers a fiberglass tank for additional years, compare long-term costs with your installer and insurer. |
Double Bottom Steel Tank Payment Plans
These steel plans include certified installation, old tank removal and all taxes.
| Plan | Term | Tank location | Monthly payment |
|---|---|---|---|
| 3 years inside tank | 3 years | Inside | $94/month |
| 3 years outside tank | 3 years | Outside | $110/month |
| 2 years inside tank | 2 years | Inside | $129/month |
| 2 years outside tank | 2 years | Outside | $150/month |
The steel oil tanks that Mercer Fuels installs come with a 25 year warranty. Please confirm the terms for your specific equipment with our team.
Fiberglass Tanks and Insurance
Fiberglass tank financing is available by custom quote. Every insurance company has different requirements, so call your own home insurer to confirm how they cover each tank type.
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Frequently Asked Questions
Mercer Fuels offers flexible payment plans for double bottom steel oil tanks:
- 3-year inside tank: $94/month
- 3-year outside tank: $110/month
- 2-year inside tank: $129/month
- 2-year outside tank: $150/month
All plans include certified installation, old tank removal, and all taxes. Fiberglass tanks and pay-in-full options are also available. Contact us at 902-539-4242 for a custom quote.