How to Tell if Your Home Insurance Covers Well Pumps
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Some well pumps will be covered by homeowners insurance, while others won’t be.
Your house might rely on a well pump for water because it has no access to city water pipes. That makes it important to know where your policy falls on the issue, including special exceptions that might make your coverage ineligible.
Here’s everything you need to know about home owners insurance for well pumps, including alternative options for covering a well pump—with a little help from car insurance comparison app Jerry.
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Are well pumps covered under homeowners insurance?
Whether your homeowners policy covers a well pump breakdown depends on what caused it to quit working. If a pump goes out due to one of the perils your home insurance covers, including being hit by lightning, fire, or a windstorm, then the policy should pay to replace your pump.
To more fully protect your home’s equipment from mechanical breakdown, you should ask your insurance agent about equipment breakdown coverage. Besides covering a well pump, equipment breakdown coverage also pays for the replacement or repair of:
- Backup generators
- Central AC systems
- Central vacuums
- Electric power panels
- Elevators and chair lifts
- Fans and other ventilation equipment
- Heaters, including furnaces, heat pumps, heaters, and solar heaters
- Spa and pool equipment
- Water heaters and boilers
Keep in mind that equipment breakdown coverage does not pay for the following items associated with household equipment malfunction, like well pumps:
- Support structures, including compartments or cabinets
- Any material used to insulate the equipment
- Water piping not associated with a boiler or AC system
Key Takeaway: Including equipment breakdown coverage in your home insurance policy will ensure you won’t be paying out-of-pocket for repairs to your well pump.
When does a home insurance policy not cover a well pump?
Just like the rest of your home, a basic home insurance policy does not cover certain perils. Some of the more common situations not covered by your homeowners insurance that can damage a well pump include:
- Earthquake or ground movement: An earthquake or other ground movement taking your well pump out of commission is not covered by your homeowners policy. In a case like this, you would have to pay for someone to dig a new well out of your own pocket.
- Neglect: Failing to take care of your equipment is another reason why homeowners policy might not cover a well pump. This includes failing to perform proper maintenance on the equipment at the required intervals.
- Wear-and-tear: Another condition that homeowners insurance does not cover includes normal wear-and-tear. This includes both individual parts and the well itself.
Other methods to cover a well pump
In addition to homeowners insurance, you can also acquire a few other policies to cover the equipment in and around your home. Some of the policies useful to homeowners when repairing or replacing broken or faulty equipment include:
- Home warranty: More expensive than a standard home insurance policy, a home warranty should cover replacement of certain parts. However, it does not cover all the parts and generally does not pay to fix a breakdown caused by an error in installation or not performing proper maintenance. Check to see if the home warranties available to you cover well pumps.
- Service contracts: Many companies that sell home equipment also offer service contracts. With a service contract, the company takes care of the maintenance and servicing of equipment over a certain amount of time.
How much does it cost to repair a well pump?
The cost of a well pump ranges from $800 to $2,000 dollars, though it depends on the size and depth of your well pump. If you don’t need a full replacement, a repair may cost as little as $750.
When buying a home, you need to make sure the various pieces of equipment in your home have coverage, including a well pump. If not covered properly, a breakdown could leave you in a bad spot until the problem is fixed. When purchasing home insurance, talk with your insurance agent to make sure you have the proper coverage.
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