Does home insurance cover a well on the property?

My family and I rely on a well for most of our fresh water. Will our insurance help us out if the well stops working?

Yes, as long as the cause of the well damage or failure is one of the covered perils on your insurance policy, such as a fire or windstorm. In most cases, a well is considered a separate structure on the property. This means it falls under “Coverage B,” or other structures coverage, on your home insurance policy.
However, you should be aware that home insurance does not cover a well if the damage or failure is a result of neglect or wear and tear.
For more information on this topic, check out this article: Does Homeowners Insurance Cover Well Failure?.
Savannah Grabek
Answered on Mar 03, 2021
Savannah Grabek is an expert in Personal Lines insurance. She has 5 years experience in the insurance industry. Savannah began her carrier working with just property insurance and is now tenured in all personal line including home, auto, motorcycle, boat and umbrella. She previously worked for GEICO and has now been working with Jerry insurance for the past year. Savannah lives in New York with her son, fiancé, and puppy Bear. In her free time she enjoys spending quality time with her family and hiking with her dog.

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