Does homeowners insurance cover a well going dry?

We’ve been having some water pressure issues lately, and I’m worried our well is drying up. Is that kind of thing covered by home insurance?

Macy Fouse · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Well, it depends. Your homeowners insurance will usually only cover a well going dry if the well’s failure or damage was caused by a covered catastrophe, like a storm. If your well dried up due to natural causes, though, your
homeowners insurance
policy probably won’t cover it.
Coverage also depends on whether or not the well is attached to your house. If it is attached, the well should be covered as part of your dwelling coverage. An unattached well, however, will only be covered if you have
other structures coverage
. Even then, though, you’ll typically only be covered for 10% of the dwelling coverage. Your specific insurance provider may also offer add-on coverage for wells and other utilities on your property.
If you want to make sure your home has the protection it needs without breaking the bank, just let
take care of it. With the
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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