Does home insurance cover a well pump?

I've got a well pump on my new property. I've never had one before and I'm not sure if it falls under my home insurance coverage.

Answer
If the loss to the well pump is from a covered peril, then yes, it will be covered! Most common losses come from lighting strikes, fires, or windstorms, which are all things typically covered by your homeowners policy.
If it fails due to normal wear and tear, then the home policy won’t provide coverage. I suggest checking the manufacturer’s warranty; you may find additional protection there!
For more information about well pump coverage, check out this article: How to Tell if Your Home Insurance Covers Well Pumps.
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Shannon Martin
Answered on Mar 02, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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