How to Tell if Your Home Insurance Covers Well Pumps

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Some houses rely on well pumps for water because there’s no access to city water pipes. But are home well pumps covered by homeowners insurance? Some do and some don’t, and it’s 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 and well pumps, including alternative options for covering a well pump.

Does your home insurance cover a well pump?

Whether your homeowners policy covers a breakdown of a well pump depends on what happens to the well pump to cause it to quit working. If a pump goes out due to one of the perils your home insurance covers, including lightning, fire, or a windstorm, then the policy should pay to replace your pump.
To more fully protect from the mechanical breakdown of equipment associated with your home, you should ask your insurance agent about equipment breakdown coverage. In addition to a well pump, equipment breakdown coverage also pays for 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 the malfunction of household equipment such as 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

When does a home insurance policy not cover a well pump?

Just like the rest of your home, a home insurance policy does not cover certain perils. Some of the more common instances not covered by your homeowners insurance that cause damage to a well pump include:
  • Earthquake or ground movement: An earthquake or other ground movement damaging your well pump and causing it to no longer work represents a peril not covered by your homeowners policy. In a case such as 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 represents another reason that a homeowners policy won’t cover a well pump. This includes failure to perform the 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 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 different policies useful to homeowners when repairing or replacing broken or faulty equipment includes:
  • Home warranty: More expensive than a standard home insurance policy, a home warranty should cover replacement of certain parts, though does not cover all parts and generally does not pay to fix a breakdown associated with an error in installation or failure to perform the proper maintenance.
  • 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.
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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