Looking for the best home warranty for a well?
Perfect, you’re in the right spot. In this guide you’ll learn:
- Will home warranty plans cover well pump replacement?
- Is home warranty coverage worth it for your well?
- Do the best home warranty companies cover wells with pre-existing conditions?
- How long do you have to wait to use your home warranty plan after purchase?
- What are the most important things to look for when comparing the top home warranty companies?
- What is the best home warranty policy for your home well and well pump?
We’ve reviewed 68 different home warranty companies, and below are our top picks for wells specific to your state. Want to know which companies are the best and why? Keep reading!
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Our Top Picks Overview
What's In This Guide?
Water is essential for life. So, it’s critical that your home always has constant access to water for drinking, cooking, cleaning, and bathing purposes.
But, if your home gets well water instead of municipal water, then you’re on the hook for the cost of maintaining and repairing your well. That can get expensive quickly, particularly if you need to replace your home’s well pump.
Thankfully, a home warranty plan from a leading provider can help cover the costs of maintaining and repairing your home’s well, in addition to other major systems and appliances. That being said, we understand how difficult it can be to find the right warranty plan for your needs, so we’ve created this ultimate guide.
Up next, we’ll walk you through the basics of warranty plans for home wells. We’ve even completed a comprehensive review of 68 different warranty companies out there to find the top 5 home warranty plans for your well that are available on the market today.
Do Home Warranties Cover Well Replacement?
Home warranty plans that include coverage for wells will help cover the cost of well pump replacement or repair. However, most policies will not cover the cost of redrilling a well as they are designed only to protect your well pump.
Is A Home Warranty Worth It For A Well?
A home warranty plan is worth it for your well. Here’s why:
Financial Protection From Home Repair Bills
If your home relies on well water, you’re liable for the cost of repairing and maintaining any issues you might have with your well. Unfortunately, wells are quite expensive so you might find that you end up spending thousands of dollars a year just on well expenses!
In fact, it costs an average of $1000 to replace a well pump and upwards of $600 to repair any issues. While warranty policies for your well can cost an average of $300-$600 a year, based on the size and location of your house, you can make this money back in how much you save after just one major home repair.
Although we hope that your home doesn’t need multiple major repairs in a single year, a home warranty works for you throughout the year to protect you from massive repair bills. They easily pay for themselves after just a few service requests, especially on major appliances like a well pump.
Top 5 Best Home Warranties For Well Pumps
Easy Home Service And Repairs
One of the lesser appreciated benefits of having a home warranty is their simplified repair service. Without a warranty plan, you’re on your own when it comes to finding a qualified contractor to come to your home when a major appliance or system, like your well pump, malfunctions.
However, with a warranty, you get a seamless repair service without having to spend hours searching for a repair technician. All you need to do is submit a service request through your provider’s online or phone-based claims system.
Then, they’ll send an experienced repair specialist to your home to assess, diagnose, and fix any well pump problems. That way, you can spend your time enjoying your home instead of worrying about fixing it.
Best Home Warranty For A Well?
Choice Home Warranty is our top pick in the well insurance market. Choice has more than 10 years of experience and their plan options provide up to $1,500 in coverage for your well each year.
Protects What Homeowners Insurance Won’t
You most likely have homeowners insurance, so you might be wondering why you also need a warranty plan. The answer is quite simple: home insurance is not designed to cover the cost of repair issues related to regular wear and tear.
Instead, insurance policies are designed to help you financially if your home is impacted by fire, flood, or other types of natural disasters.
Home warranties, however, are specifically meant to help you pay for any repair issues or malfunctions in your systems and appliances that are caused by wear and tear. Plus, they’ll even cover you long after your manufacturer’s warranty on your well pump or other major appliances and systems expires.
So, while home insurance is certainly important, it won’t cover everything. Thus, having a home warranty is a good way to protect yourself financially, even when your insurance policy won’t cover the issue at hand.
Read Also: Home Warranty vs. Home Insurance
Helps Attract Home Buyers During The Real Estate Process
Your home is an investment. Therefore, it’s important that you maintain the value of your home so you can get a good price on it should you ever decide to sell it.
Home warranties can help you attract home buyers during the real estate process in two different ways. First and foremost, with a warranty plan behind you, it’s easier to stay on top of regular maintenance and repair costs. That way, you can help maintain the value of your home throughout the time that you live there.
Additionally, real estate agents often encourage home sellers to have a warranty policy on their home. This is because home buyers want to know that they are protected should something malfunction in their new home.
Having a warranty plan in place can help you attract potential buyers because it gives them the peace of mind they need to know that they’ll be protected financially should an appliance or system break after closing.
Would A Home Warranty For A Well Cover Pre-Existing Conditions?
For the most part, home warranty plans do not cover pre-existing conditions in wells, well pumps, or any other appliance or system. However, this exclusion usually only applies to pre-existing conditions that could’ve been identified through a visual inspection conducted by a qualified contractor.
Since most warranty companies will not cover pre-existing conditions, it’s often best to get a home inspection on your house before you take out a policy. That way, you can find and fix any pre-existing issues before your plan starts, giving you confidence that your policy will cover any new problems that arise.
Top 5 Best Home Warranty Companies For A Well Pump
|Well Pump Company Name||Premium Per Month||Deductible|
|Choice Home Warranty||From $36.17 to $43.85||$85 flat rate|
|American Home Shield||From $49.99 to $59.99||From $75-$125|
|Select Home Warranty||From $35.83 to $37.50||$75 flat rate|
|Total Home Protection||From $45.33 to $52||$75 flat rate|
|First American Home Warranty||From $28 to $42.50||From $75-$100|
How Soon Can You Use A Home Warranty For A Well After Purchase?
The majority of home warranty companies have a waiting period between when you purchase the plan and when you can submit your claim. For the most part, this grace period is 30 days long.
This may seem a bit odd, but these waiting periods are in effect to protect companies from people who purchase a plan as soon as they know that they need to do a major home repair. By asking homeowners to wait 30 days, companies are protected from people who try to take advantage of the system.
However, you can sometimes get an exemption from this grace period if you already have a warranty plan and are simply looking to switch providers or change policies. In these situations, most companies will waive the waiting period if you can prove that you’ve had continuous coverage on your home.
Check out this video below for a full breakdown of the entire well drilling process from start to finish.
What To Look For When Picking The Best Home Warranty For A Well?
Picking the best home warranty provider for your home’s well isn’t easy since there are so many great options to choose from. To make it easier for you to find the right coverage for your needs, here are some of the most essential things to keep in mind as you search for your next warranty plan:
Annual Premium Cost
Money matters, so it’s important that you keep an eye out for annual premium costs on any warranty service contract that you might consider for your home.
On average, a home warranty costs $300-$600 for a single-family house. However, this cost can vary quite a bit depending on where you live and the size of your home.
Additionally, it’s worth keeping in mind that well coverage is generally not included as part of a standard warranty plan package, whether as a systems plan, appliances plan, combo plan, or otherwise. You’ll generally have to pay an extra fee for well pump coverage, which can range from $40-$180 per year, depending on the company.
Of course, a lower annual premium is better for your bank account. Still, it’s best to balance cost savings with the overall quality of your warranty policy to ensure you’re getting the protection you need.
Service Call Fee
Every warranty company charges a “service call fee” (a.k.a. a “deductible“) every time you submit a claim. This service fee is designed to cover the cost of sending a repair specialist to your home to fix your well pump, dishwasher, air conditioner, or other major appliances and systems.
These fees are normally charged just once per home service request and can range from about $60-$125. In many ways, you can think of them as similar to a copay at the doctor’s office.
Warranty companies are trying to run a business, so it’s understandable that they have limits on the amount of coverage that they’re willing to offer. Most providers will have either a per-item or per-system limit to how much they’ll cover in home repairs each year.
For well pumps, this coverage usually varies between $400-$1,500 per year. However, it’s worth keeping in mind that a higher limit doesn’t necessarily mean better coverage.
Sure, it’s nice to know that you have lots of wiggle room when it comes to total coverage and protection, but it’s also worth factoring in the actual cost of repairing your well pump before you make a decision. Most well pumps cost upwards of $1,000 to replace, so having more coverage, while nice, may not necessarily be worth it if it means paying a higher premium.
Essentially, it’s important to strike a balance between annual premiums and coverage limitations to ensure that you’re getting the best value for your money in terms of how much you pay and how much coverage you receive in return.
Read Also: How Do Home Warranty Coverage Limits Work?
Home warranty service providers will list their coverage inclusions and exclusions in their sample contracts. It’s critical that you pay close attention to what’s listed in these sample contracts because they will tell you precisely what is covered under your policy.
For most well pumps, covered items will include all components and parts of the pump that are used to supply water to the main living area (a.k.a. your home). Warranty companies will generally not cover any holding or storage tanks, digging of wells, valves, pipes, or electrical wiring involved.
This is true for the vast majority of companies. Therefore, you should know the limitations of your coverage before you commit to a plan, so you know what you’re signing up for.
Type of Well Pump Coverage Limitations
If you have a geothermal heating system or water source heat pump that relies on a well, it’s important to note that some companies exclude these home systems from coverage. With this in mind, if you have a non-traditional heating system in your home that relies on a well pump, be sure to read the fine print in your sample contract to see if your home systems will be covered.
Other Covered Home Appliances And Systems
Home warranty plans for wells are designed to cover more than just your well pump. In fact, when you purchase a plan, you can also get coverage for your home’s other major appliances and systems, such as your water heater, ductwork, ceiling fans, electrical system, plumbing system, and more.
Since well pump coverage is offered almost exclusively as an optional add-on, you’ll need to have a warranty plan to get this protection. Additionally, the amount of coverage you get will depend on the coverage option that you choose. There are three basic plan options available:
- Appliances Plans. These policies will cover malfunctions in major appliances such as clothes washers and dryers, garage door openers, garbage disposals, dishwashers, cooktops, and more.
- Systems Plans. This kind of plan will protect your home’s major systems, such as your plumbing system and plumbing stoppages, electrical system, air conditioning system, and other parts of your HVAC system.
- Combo Plan. These comprehensive plans usually include all of your home’s most essential systems and appliances. They are a good choice for homeowners that want to maximize the amount of coverage they have on their home.
Top Home Warranties For Wells Reviewed
Choice Home Warranty Review (Best Overall Home Warranty)
Why Do We Like Choice?
Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.
Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have “Optional Coverage” for add on items most homeowners don’t usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items.
Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.
The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.
A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.
That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.
Policy On Pre-Existing Issues or Older Units?
Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life.
What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).
- Good Limits (up to $1,500)
- Minimal Exclusions
- More Affordable
- Only 15 Home Appliances & Systems Covered
American Home Shield Review (Editor’s Choice)
Why Do We Like American Home Shield?
Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.
In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.
They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 – $3,000 per claim.
Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Highest Payout Limits (up to $3,000)
- Widest Coverage (21 systems and appliances)
- Fewest Exclusions
- Most Expensive
Select Home Warranty Review (Most Affordable)
Why Do We Like Select Home Warranty?
Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 – $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.
If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.
Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Most Affordable Service Contracts
- Roof leaks Are Covered In Their Platinum Plan
- Ultra Pushy Sales
- 3 Days To Submit Claim
- Weaker Network Of Contractors
Total Home Protect Review (Best For Larger Systems)
Why Do We Like Total Home Protect?
Total Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.
Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.
Most home warranties do not cover anything related to your roof but Total Home Protect does, which we found to be unique to their offering helping them crack our top list.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and AHS, Total Home Protect covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- You Can Choose Your Own Technicians
- Roof Coverage
- More Exclusions Than Most Competitors
- The Worst BBB score
- Low Payout Limits ($500)
First American Home Warranty Review (Best Customer Service)
Why Do We Like First American Home Warranty?
First American Home Warranty made our list as a home warranty with above average customer service mixed with in with a decent price point.
The only drawback was that they aren’t nationwide lacking coverage in the following states: ND, MN, WI, IL, NY, VT, NH, ME, MA, CT , RI , DE, AL, HI, LA.
Their plan options include a “Basic“ plan, which only covers appliances and will run you about $28 per month. Their combo plan, which covers major systems and appliances branded the “Premier” plan costs around to ~$43 per month.
Overall a good home warranty provider, but just lacking the coverage, which would have helped make a better case for “best overall home warranty company”.
Policy On Pre-Existing Issues or Older Units?
Again, all of the home warranty providers seem to have adopted a similar policy in that they cover “old” appliances and systems that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Great Customer Service (B+ BBB Score)
- Online Chat Support
- Not Available In 15 States
- Can’t Choose Your Own Contractor
FAQs for Home Warranties For Wells
Do home warranties cover wells?
Does American Home Shield cover wells?
Which home warranty company offers the best well coverage?
Home Warranty Provider
Coverage $$ Limit
Choice Home Warranty
American Home Shield
Select Home Warranty
Liberty Home Guard
Cinch Home Services
What does a home warranty cover?
- Stove / range / cooktop
- Clothes washer
- Clothes dryer
- Built-in microwave
- HVAC including ductwork
- Plumbing system
- Electrical system
- Water heater
How do I choose the right home warranty?
- Research. Do the kind of legwork you are doing right now. Is the company available in your state? Do they cover the most important systems and appliances for you?
- Get several quotes. Don’t just sign on with the first company you come across. Find out the premium and service call fee from several companies for the plan that suits you best.
- Read the fine print. Be sure to read the service contract carefully before signing anything and handing over your money.
Our Top Pick For A Home Warranty On A Well
If we had to pick just one of these five home warranty plans to protect a well, we’d go with Choice Home Warranty. We like that Choice Home Warranty provides a good coverage limit toward the cost of repairing and replacing a well pump at a reasonable annual premium rate.
Additionally, Choice Home Warranty won’t deny you coverage should your home have older systems or appliances. They also offer two great plan options that provide comprehensive protection for your home.