I agree. I use 3 x 250w Jagr heaters in my 180G setup. All are plugged into a controller. That way, if one gets stuck on, the controller turns it off. If one ends up crapping out, there are 2 others to back it up.
That's about as good as you can get with back-ups to ensure heater issues. Saying that, I have heard of heaters cracking and exploding so going to a Hydor inline or Titanium heater may be the way to go.
I recently had my water change heater leaking electricity into my main display water. It tingled my hands when I touched my sump and was turning one thing off at a time to try and see what the issue was. By the end, I had everything off on my main display and nothing... Finally, I decided to touch the water in my water change tank and got zapped! The water in the water change tank was separate from the display at this point. Turns out the heater in my water change tank was plugged into a power bar and the electricity must have been flowing down from there into my other equipment. It was an old crappy heater and luckily I caught it very early so no damage was done to my tank.
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