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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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
We know how difficult it is to find a warranty plan that’s best for your unique needs. So, to get you started here are five home warranty reviews of the best plans for well coverage available today:
#1 Choice Home Warranty
Choice Home Warranty is one of our top picks for protecting your home’s well because they offer well pump coverage as an optional add on to all of their plan options. With Choice Home Warranty, you can choose from either their Basic Plan or their Total Plan and get protection for your well for a small additional fee.
We like the company’s add-on coverage for wells because it covers all the components and parts of your home’s well pump up to $500 per year. This is enough to cover most well-pump repairs that you can expect to deal in your home.
While this does mean that you might have to pay a little bit out of pocket to cover the cost of completely replacing some well pumps, Choice Home Warranty also has some of the most affordable premiums and service call fees in the industry.
Their plan options also offer comprehensive coverage of your home’s major systems and appliances. Plus, they won’t deny you coverage on your well pump or anything else in your home just because you own an older house.
- Coverage up to $500 a year for all parts and components of well pump repair and replacement
- Won’t deny you coverage just because you have an older home or system
- Affordable annual premiums and service call fees
- Well pump coverage is an add-on only – no option to build your own plan
#2 American Home Shield
American Home Shield is another great choice for homeowners looking to protect their well. The company offers coverage on well pumps and all their associated parts and components up to $1,500 per year.
This is more than enough coverage to deal with the cost of accessing, diagnosing, and repairing all but the most involved of well pump issues. Additionally, American Home Shield offers three plan options (Appliance Plan, Systems Plan, and Combo Plan) that can be combined with an optional add-on for well pump coverage.
Alternatively, American home Shield gives you the option to build your own plan. Through their Build Your Own Plan, you can choose up to 10 appliances or systems to cover and get their well pump coverage as an optional add-on for maximum control over your home’s policy.
We also like that American Home Shield allows homeowners to choose their own service call fee. That way, you can opt to pay slightly more on your annual premium and save money whenever you submit a claim. Alternatively, you can choose to pay less upfront and then pay a bit more for your call fee on each repair request you submit.
- Up to $1,500 in coverage on the cost of repairing or replacing a well pump
- Option to build your own plan and choose well pump coverage as an optional add-on
- Allows you to choose your own service call fee to customize your plan
- Annual premiums are slightly higher than average
#3 Select Home Warranty
Select Home Warranty offers protection for your home’s well pump under their optional add-on coverage. When you add well protection to any of the company’s three great care plans, you get up to $400 each year in coverage on all of the parts and components of your well pump.
One of the reasons that we like Select Home Warranty’s coverage for well pumps is that they allow you to choose your own repair technician. This means that if you already have a local contractor that you know and trust, you can continue to work with them on any future repair needs in your home.
The company also offers three different care plans, one for your appliances, one for your systems, and a third combo option that protects all of your home’s most essential features. That way, you can choose precisely the coverage you need to protect your home. Plus, you can select a variety of optional add-ons and well coverage, including plans for sump pumps, pools, roof leaks, and sprinkler systems.
- Offers well pump coverage as an optional add-on to any of their three great plans
- Allows you to choose your own service technician when you need a repair
- Premium costs are a bit higher than the industry average
#4 Total Home Protection
Total Home Protection offers coverage for your home’s well as one of their great optional add-ons for their standard policies. With Total Home Protection, you can get up to $500 per year to access, diagnose, repair, and replace your home’s well pump.
Total Home Protection offers some of our favorite plans for protecting your house’s well because they have affordable annual premiums and low service fees. Their two plan options (Gold Plan and Platinum Plan) provide comprehensive coverage for your home’s major systems and appliances.
We also like that they offer emergency repair service, so you never have to be without any of your home’s essential features for longer than necessary.
- Coverage up to $500 a year toward the cost of assessing, diagnosing, repairing, and replacing well pumps
- Affordable annual premiums and low service fees for comprehensive coverage plans
- Offers emergency repair service
- Limited availability in some states
#5 First American Home Warranty
First American Home Warranty is a fan favorite when it comes to protecting your home’s well. The company is known for its cost-effective protection plans, so it’s a solid choice for homeowners on a very strict budget.
As an optional add-on to either of their two plan options, you can get protection for your home’s well pump. This add-on provides you with up to $1,500 in coverage on repairs and replacement costs for your well pump.
Additionally, First American Home Warranty has some of the most affordable annual premiums in the industry, as well as low service call fees. They also offer various coverage upgrades to enhance your plan should you decide to sell your home.
- Up to $1,500 in coverage for repairing and replacing issues with well pumps
- Cost-effective plans with low annual premiums and service fees
- Offers coverage upgrades when you sell your home
- Not available in every state (particularly in the Northeast and northern Midwest)
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.