A number of us have added an indoor switch, for exactly the reason you suggest. It can be as simple as a light switch, which is very easy to install. If you are electrically handy at all, and feel like doing a project, this is a good way to go.
A more complex approach is to install a relay which drops out when the main power cord is disconnected, and doesn't reconnect when the power cord is plugged back in. This prevents inadvertently applying power before the water heater is filled.
You should find references to both of these by using the Search tool.
Bill
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