Insurance Forcing Water Heater Replacement

[Wes Eaves]

I received a call from my insurance agent today telling me that I had to replace my working/non-leaking hot water heater in order for them to renew my policy.  They required a 4 point inspection to renew the policy, and based on the report, they determined the working/non-leaking hot water heater was a risk because of the age.  

The hot water heater is 21 years old, however, I had the tanked inspected, drained and flushed a few months ago by a licensed plumber and there were no leaks or other issues.

Can anyone provide a solution that would be satisfactory to an insurance company and won't require me to replace the existing hot water heater?  I'm in the Tampa Florida area if that matters for insurance purposes.