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Don't know about the others but I've been told the regular electric water heater does not and the elements should be always covered. From what I see the thermostat mounts on the outside of the tank and there is nothing inside other than the heater. Now, a gas/oil one may be more like a boiler system and boiler systems do have low water monitors.
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when I leave for any exteneded time I shut the water off. When I was on my own water system I would turn the breaker off
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For a few months, when in the basement bathroom, I could hear a slight tinkling of water from upstairs in the plastic sewer line which was right next to the john... I finally determined the valve in our bedroom bathroom tank wasn't shutting totally off. Finally replaced it one day, and only a few days later I got a letter in the mail from the City, alerting me to the fact that they have leak-detectors on their water meters, which detected a very slow but steady constant flow of water. I thought that was pretty cool, that the water dept. would know about it even if I didnt--