Your home’s well is critical to getting fresh water for cooking, bathing, cleaning, and more. If something goes wrong with it, you may not have access to water until a contractor fixes it. A home warranty covering your well can help expedite repairs and component replacements and save you hundreds to thousands of dollars in unexpected repair costs.
Home insurance policies typically don’t cover well repairs since they’re considered maintenance issues. If your well is over a few years old, the parts may no longer be covered by the manufacturer’s warranty. That’s where a home warranty comes in handy. Home warranties are annual service contracts that cover the repair or replacement of major home systems and appliances that break down due to normal wear and tear.
Based on our research, here are the top home warranty companies for Wells.
Most home warranty companies provide coverage for wells as an optional add-on. This means you will have to get a standard home warranty policy and add-on coverage for your well for an additional monthly (or yearly fee).
Even though well coverage is an additional cost with most home warranty plans, the flat monthly fee is usually much more affordable than unanticipated repair or replacements of major home systems and appliances, including your well. The top home warranty companies for wells have reasonable pricing, great coverage caps, good customer service, and comprehensive coverage for home well systems.
The Best Home Warranties for Well Coverage
To determine which home warranty company is best for wells, we researched and vetted them all to put together this top four list.
What to Look for in a Home Warranty for Wells
Well coverage from home warranty companies typically just includes your well pump. This is the piece of the well that will experience the most issues, so you’ll want as comprehensive coverage as possible.
Some additional things to look out for that serve as bonus coverage include pressure switches that aren’t on the pump, well pump casing, lines running to and from the pump, pressure control systems, and booster pumps. In most cases, these coverage options won’t be included, but they’re great to have.
You’ll also want to be on the lookout for coverage caps. The average cost to repair a well pump is around $750, while the average cost to replace one totals around $1,600. Higher coverage caps are great for expensive items like well pumps.
Finally, you should check to see if the coverage includes accessing and assessing the well pump. Since the pump is underground, you might be charged a fee to access it, especially if it requires excavation to diagnose the issue.
Compare Home Warranties For Wells
The table below outlines data for the best home warranty companies for well coverage and more. We constantly update these ratings as companies change their policies and prices to give you the most accurate information possible. Continue reading in-depth reviews of several top providers.
| Company | Rating | Monthly Cost | Service Fee | Response Time | BBB Rating | Link |
|---|---|---|---|---|---|---|
 |
$50-$60 |
$75 |
12-48 hrs. |
NR |
VISIT SITE | |
 |
$35–$75 |
$100–$125 |
24-72 hrs |
B |
VISIT SITE | |
 |
$44.99-$58.99 |
$70 |
48 hours |
A+ |
VISIT SITE | |
 |
$46–$55 |
$85 |
24-48 hrs. |
B |
VISIT SITE | |
 |
$52–$58 |
$60 |
24-48 hrs. |
B |
VISIT SITE | |
 |
$38–$62 |
$75–$125 |
48 hours |
B |
VISIT SITE | |
 |
$38–$48 |
$75–$125 |
48 hours |
B |
VISIT SITE | |
 |
$17–$60+ |
$65–$100 |
2–24 hrs |
A- |
VISIT SITE | |
 |
$28–$68 |
$100–$150 |
2–24 hrs |
B |
VISIT SITE |
Quote and cost data gathered January 2023. Cost data are updated and monitored continuously.
Liberty Home Guard
4.6
Our Rating
Liberty Home Guard (LHG) is a leading home warranty company with coverage for wells. It has three cost-effective warranty plans, none of which provide well pump coverage by default. Homeowners must add it as an optional add-on. Along with the well pump coverage, LHG has several more add-on coverage options to help homeowners protect everything they need.
Liberty Home Guard’s plans appeal to homeowners who want the most comprehensive and customizable coverage. They can choose from the entry plan to the most comprehensive one, with or without optional extras.
On Trustpilot, LHG has a good 3.9/5 star average rating and a great A on the Better Business Bureau. It has a service call fee of just $75 and a workmanship guarantee of 60 days on all approved repairs.
You can quickly file a claim anytime with Liberty Home Guard, as its customer support is available 24/7/365. The company offers services in 46 states, excluding IL, WI, WA, WY, and Washington D.C.
Liberty Home Guard gets our recommendation for well pump coverage because its one of the most trusted brands in the industry. When it comes to something as crucial as your water supply, you want to make sure that the company protecting your access to fresh water is trustworthy. Liberty Home Guard delivers high payout rates and responds quickly and consistently to issues, especially ones as serious as a loss of water.
LHG is also one of the only companies that offers standalone well pump coverage without having to purchase an entire plan. This is a rarity in the industry, but it’s a great option if you just need well pump coverage. You also have the option of adding this coverage on to an existing plan at a lower price.
LHG also has septic coverage that includes clearing blockages and pumping the system once per year. This is also available as add-on products or as standalone coverage, which is uncommon.
LHG ranks highly in our books because the majority of its customers are pleased with the service they receive. LHG has relatively high customer service rankings, and customer surveys confirm that they genuinely feel protected with coverage from this company.
No company is perfect, and LHG is no exception. Below are some pros and cons of choosing LHG for your warranty coverage.
Liberty Home Guard offers three home warranty plan options, an appliance plan, a systems plan, and a combo plan:
- Appliance Guard ($64.99 per month / $649.99 per year): Covers 11 home appliances and systems, including built-in microwaves, ranges, cooktops, ovens, garbage disposals, garage door openers, clothes washers, clothes dryers, dishwashers, ceiling fans, cooktop exhaust fans, refrigerators, and more.
- System Guard ($69.99 per month / $699.99 per year): protects home systems, including air conditioning units, heating systems, ductwork, plumbing systems, water dispensers, plumbing stoppages, electrical systems, toilets, and water heaters.
- Total Home Guard ($74.99 per month / $749.99 per year): Combines the System Guard and Appliance Guard plans together
- Optional Add-Ons: Additional coverage for TV, PC, central vacuum system, lawn sprinkler system, pool, spa, locksmith, wine refrigerator, second refrigerator, ejector pump, pest control/removal, water softener, and more.
- Service Fee: $75
American Home Shield
4.3
Our Rating
American Home Shield (AHS) is another top home warranty company for well systems. It has three comprehensive plans that don’t cover well pumps by default, but you can include it as an optional add-on for an extremely low cost. AHS has almost 50 years of experience in home warranties with well over 1.3 million customers.
Most of their large customer base has great things to say about AHS. It currently has many positive reviews on Trustpilot and holds an A+ rating on the Better Business Bureau (BBB). Besides the well pump add-on, AHS has several other add-on extras to its home warranty plan. This is perfect for home buyers and homeowners that want to customize their home warranty plan.
Homeowners that want the most protection on their home systems and appliances can choose ShieldPlatinum, which covers 27 home systems and appliances in total.
American Home Shield offers its home warranty plans in all states besides AK.
We’ve chosen American Home Shield for well coverage mostly because of the plan customization options. This company offers well pump coverage as an add-on product only, so you can add it on to the most affordable plan or the one that best suits your needs.
The coverage includes all components of the well pump as well as accessing and repairing for up to $1,500. This amount is higher than most other companies offer for this product and exceeds the high-end cost of repairing a well pump.
AHS also offers add-on service for septic pumps. The coverage includes blockages in the main line and one septic tank pumping per year. Unfortunately, this service doesn’t include the cost of accessing the septic tank, so you will have out-of-pocket costs when getting service with AHS.
AHS is also a fantastic home warranty company in general. Along with the higher-than-average well pump coverage cap, it includes payout limits that are higher than the industry standard for most items. It also provides a wide range of add-on services, and although the cost per plan is somewhat high, you can use the add-ons to cover precisely what you want protected in your home.
Below, we’ll include some pros and cons of getting your home warranty through AHS.
American Home Sheild offers three different plans:
- SheildSilver ($29.27- $44.27 per month / $347.88 – $527.88 per year): Protects 19 major home systems, including ductwork, interior plumbing, garage doors, electrical systems, water heaters, toilets, sump pumps, and more.
- ShieldGold ($39.27 – $54.27 per month / $467.88 – $647.88 per year): Covers 21 appliances and home systems, including almost every item covered by the ShieldSilver plan, plus clothes washers, dishwashers, refrigerators, clothes dryers, trash compactors, and more.
- ShieldPlatinum ($59.27 – $74.27 per month / $711.88 – $891.88 per year): Covers 27 systems and appliances, includes everything in the SheildSilver and SheildGold plans plus roof leak coverage.
- Optional Add-ons: Extra coverage for well pumps, septic systems, pools, spas, guest houses (less than 750 square feet), sump pump overflow, etc.
- Service Fee: $75, $100, or $125
Choice Home Warranty
4.3
Our Rating
Choice Home Warranty (CHW) is our choice for the best home warranty provider for wells because of their comprehensive coverage, affordable pricing, excellent customer service, speedy warranty repairs/replacements, and more. It offers several add-on coverage options, including well coverage to protect yourself from sudden repair costs.
With over 15 years of experience in the industry, CHW has many satisfied customers. It has a B rating with the Better Business Bureau (BBB) and a 3.9/5.0-star rating on Trustpilot. One of its great features is the flat $85 service fee – which is lower than average.
Many homeowners choose Choice Home Warranty for their well (and other appliance/home system) coverage since they’re low-cost, customizable, easy to work with, and have high coverage caps.
Choice Home Warranty offers its home warranty coverage in 49 U.S. states; WA is the exclusion.
We chose Choice Home Warranty for well coverage because the company covers accessing, assessing, and repairing well pumps and most components of the well pump for up to $500. There are still some exclusions — like piping leading to the well pump and electrical components — but the coverage included should be adequate for most issues.
Choice Home Warranty also includes comprehensive septic system coverage, which many homeowners need alongside well coverage. This is because both systems are popular where getting access to public utilities (public water and sewer) is unrealistic or prohibitively expensive. The septic protection includes pumping and clearing blockages, which are the most commonly reported issues for septic systems.
In addition to these specific benefits of choosing CHW, the company also brings many years of experience and positive customer reviews to the table. The company maintains low overall pricing and keeps service call fees right at the industry average. Plus, CHW’s plans all include both appliances and home systems, which is uncommon in the industry but often preferred by homeowners.
Overall, we’ve given CHW a 5/5 based on the many factors we assess. These include cost, value, trustworthiness, and percentage of claims paid out, among others. CHW, therefore, gets our label as the best overall home warranty company, both for well coverage and in general.
Below, we’ll include some pros and cons of opting for well coverage with Choice Home Warranty.
Choice Home Warranty offers two home warranty policies, well coverage is an optional add-on.
- The Basic Plan ($45 per month / $560 per year): Protects 14 essential home systems and major appliances, including HVAC ductwork, ceiling fans, garage door openers, toilets, water heaters, ovens, kitchen appliances, and microwaves.
- The Total Plan ($53.33 per month / $660 per year): A broader plan that covers the repair/replacement of 18 home systems and appliances– clothes dryers, clothes washers, air conditioners, refrigerators, and everything included in The Basic Plan.
- Optional Add-Ons ($40-$180 per year): Nine add-on coverage options for wells, freezers, sump pumps, central vacuum systems, septic systems, septic tank pumping, pools, spas, and some roof leaks.
- Service Fees: Flat $85
Select Home Warranty
4.2
Our Rating
Select Home Warranty (SHW) is another top home warranty company for wells. It has some of the best well coverage available. Homeowners have the freedom of choice for more or less coverage with three different plan levels. However, well coverage is only available as an add-on to any of the three plans. You can even get more protection too.
Select Home Warranty is best known for its cost-effective plans and affordability compared to other home warranty providers. It has good customer support, and online consumer feedback backs this up – it has a solid B rating with the Better Business Bureau and a positive 3.8/5 stars on Trust Pilot.
Select Home Warranty’s plans are available in 46 states; you can’t get one if you live in NM, NV, WA, or WY. SHW’s plans might seem more expensive than other providers, but they actually cover more.
We picked Select Home Warranty as our top choice for homeowners looking for comprehensive coverage for things like appliances and home systems but who also want well-specific coverage. SHW provides super affordable pricing for its pre-set plans and for add-on coverages like well pumps and septic systems. Well coverage and septic system coverage can be added on for between $40 and $100 annually, which is lower than most competitors.
SHW includes your well pump and all components in its coverage option, which means just about any issue with the pump’s performance should be protected. Septic coverage includes the jet pumps and ejector pumps in your system, so all exterior pumps can be covered with the add-on packages.
SHW is also a great company for general coverage. Its Gold Care Plan, the most comprehensive option, comes at a lower price than you’d find from most other providers and includes more covered items for maximum value. All plans can be customized with well and septic coverage for a relatively low annual cost. Repairs come with a 90-day guarantee, customer service is generally positive, and the percentage of payouts is comparatively high.
We’ll include some of the upsides and downsides to choosing SHW for your well coverage below.
Select Home Warranty offers three warranty plans (for well coverage, homeowners have to choose well coverage as an optional add-on to a standard plan):
- The Bronze Care Plan ($58 monthly cost / $630 per year): Covers eight major home systems and appliances, including a dryer, washer, dishwasher, cooktop, built-in microwave, refrigerator, oven, and garbage disposal.
- The Silver Care Plan ($57.67 per month / $630 per year): Covers all items in the Bronze Care Plan and six additional systems and appliances – ductwork, AC units, heating systems, HVAC systems, plumbing systems, hot water heaters, and electrical systems.
- The Gold Care Plan ($62.08 per month / $699.99 per year): Covers all home systems and appliances in the Bronze and Silver Plans plus garage door openers, plumbing stoppages, and ceiling fans.
- Optional Add-Ons ($39.99-$99.95 per year): Extra coverage for additional garage doors, electrical outlets, light fixtures, electrical switches, central vacuum systems, wells, spas/pools, sump systems, septic systems, lawn sprinkler systems, stand-alone freezers, ice makers, refrigerators, and roof leaks.
- Service Fee: $75 to $125, depending on location
What is a Home Warranty for Well Pumps?
A home warranty for wells is a service contract that helps cover the cost of repairs or replacement of essential home systems and appliances, including your water well.
With a home warranty for wells, you can choose from different coverage plans and get protection for your well pump, pressure tank, water lines, and more.
However, keep in mind that most well pump coverage plans usually only cover the well pump itself, so other components may not be included. The majority include mechanical failures as well, although The Home Service Club also covers failure of electrical components. Most home warranty companies will also cover the cost of an annual well inspection to help keep your system in good working order.
When major well components break down, a home warranty can help you save hundreds – or even thousands – of dollars on repairs or replacement. The average cost to replace a well pump is around $1,600, so having coverage can save you from expensive emergency repairs. Many policies even cover water damage if your well causes leaks in your home.
A home warranty for wells can save you money and give you peace of mind, knowing that your most important home systems and appliances are covered. When shopping for a home warranty for wells, compare coverage plans and prices to find the best fit for your needs.
Who Needs a Well Home Warranty?
If you own a home with a water well, then a well home warranty can save you money on repairs and replacements. Most homeowners insurance policies do not cover well systems, so if something goes wrong, you could be stuck paying for repairs or replacement out of pocket. A home warranty for wells can help relieve some of that financial burden.
Well home warranties are also a good idea if you live in an area with hard water, which can cause your well components to break down more quickly. With a home warranty for wells, you can get protection against the high cost of repairs or replacement.
Finally, according to RIS Media, if you plan to sell your home, a home warranty for wells can give buyers peace of mind, knowing that they are protected against expensive repairs or replacements.This can make your home more attractive to potential buyers and help you get top dollar for your sale. A recent study showed that having a home warranty when selling your home also led to an increase in the sale price and a reduction in time on market.
Experts from Rocket Mortgage have also concluded that home warranties are often a worthwhile investment if you have an older home. Home systems naturally decline in health as they age, and well pumps are no exception. When you have an aging house, a home warranty is more likely to provide savings in excess of what you pay for the plan.
For example, a single well pump repair or replacement can land anywhere from $300 up to around $2,000, with an average replacement cost of $1,600. The average cost for a home warranty that includes well pump coverage is around $600 per year, which pales in comparison to your out-of-pocket costs if you didn’t have a home warranty.
If your home has “city water,” you wouldn’t have a well. Therefore, you won’t need coverage for it. But, you can still get a home warranty policy to cover other major systems and appliances in your home.
What Does a Well Home Warranty Cover?
Most well home warranty policies will cover the cost of repairs or replacement for your well pump, including mechanical failures that cause low water pressure, no access to water, and pump malfunctions. Pressure tanks, water lines, and other components often aren’t covered, although HSC does include electrical components. Some companies also offer coverage for an annual well inspection, which can help keep your system in good working order.
The majority of well pump coverage options also include accessing and diagnosing the issue, so your out-of-pocket costs will be minimal.
Some home warranty policies will also cover water damage if your well causes leaks in your home. This can be valuable coverage if your well has hard water, which can cause your well components to break down more quickly. If you have hard water, get a water softener and a policy that covers it, too.
Be sure to compare coverage plans and prices when shopping for a home warranty for wells, as coverage can vary from company to company. You’ll want to find a policy that meets your needs and budget.
How Much is a Home Warranty with Well Pump Coverage?
The cost of a home warranty for wells will vary depending on the company you choose, the coverage you select, and the location of your home. However, most well home warranty policies will cost between $250 and $600 per year.
Most companies may also charge a service fee when you make a claim, typically between $75 and $125. Be sure to ask about service fees when comparing home warranty companies.
Deductibles may also apply.
How Does a Home Warranty for Wells Work?
If you need to make a claim on your home warranty for wells policy, simply contact your home warranty company and request service. A technician will come to your home to diagnose the problem and determine if it is covered under your policy.
The technician will perform the necessary repairs or replacements if the issue is covered. If the problem is not covered, you will be responsible for the cost of repairs or replacement.
Most home warranty companies have a network of pre-screened, licensed, and insured contractors that they work with.
Here is how the home warranty process for wells works in detail.
Purchase a Home Warranty with Well Coverage
Of course, before you can file a home warranty claim on your well, you need a policy first. You can get a home warranty plan by calling or filling out an online form with any of the four providers we recommended above.
When you get a home warranty policy, ensure the plan you choose offers coverage for your well. Not all plans cover wells and their components, and many home warranty providers offer well coverage as an optional add-on.
Your Well Breaks Down
The next step is hoping your well never has an issue. But let’s face the facts – failures, and breakdowns always happen. That’s why home warranties are necessary. If your well has a problem and you have a home warranty, all you have to do is file a claim.
You Contact the Warranty Provider & File a Claim
After your plan is in place and your well breaks down, the next step is to contact your home warranty company to file a claim. You will likely have to submit a service request online or over the phone.
Be ready to answer questions about your policy, the problem you are experiencing with your well, and other relevant information.
They Fix It, and You Pay a Service Fee
After you contact the home warranty company and file a claim, a contractor/technician/repair person will be assigned to your case. This service provider will likely get you to schedule an appointment to come out and take a look at your well.
At the appointment, the well contractor will assess the issue, and assuming the repair is covered under the home warranty policy, they will likely fix it right then and there. If the well contractor can’t fix specific components, they will replace them.
Once the repair or replacement is complete, you pay your home warranty a service fee (and anything charges that exceed the coverage cap).
Be Aware of Your Policy Limits and Coverage Caps
As with any insurance policy, home warranties have limits. These limits are typically set to reduce repair and replacement costs and protect the home warranty company’s bottom line.
As such, you must know your policy limits and coverage limits for your well before signing up for a plan. This way, you won’t be surprised if the home warranty company denies a claim because it exceeds your policy limits. For example, one home warranty company may have a coverage cap of $4,000 for a well. If you need a repair/replacement that costs $4,300, you will only pay $300 (plus the service fee).
Final Thoughts
Wells are essential in getting fresh water into your home. If your well breaks down, you won’t be able to shower, cook, clean dishes, wash clothes, or use the bathroom. Since your well system is critical to these several home necessities, it is vital to have a home warranty company with fast repair service and affordable pricing. Plus, it is usually cheaper than paying for repairs or replacement out of pocket.
We recommend Choice Home Warranty for well pump coverage. This company has affordable options for plans plus add-on coverage for well pumps and septic systems, two things that often go hand in hand due to a lack of access to public utilities.
The septic coverage from CHW includes pumping and clearing blockages, which are the two most common issues reported. The well pump coverage cap is $500, which should be enough to cover most repairs. Plus, all work is backed by a 90-day service guarantee, so ongoing issues with well pump performance — which are, unfortunately, common — will be protected and will end up costing you less in service fees with CHW.
FAQs about Home Warranties for Wells
Should I Get a Home Warranty on my Well?
We recommend getting a home warranty for you if you have a well. A home warranty can help relieve the financial burden if something goes wrong with your well system. Wells, well pumps, and pressure tanks are all subject to wear and tear and can be expensive to repair or replace. Not to mention the potential water damage they can cause if there is a leak.
Remember, most standard home insurance policies do not cover well systems, so a home warranty for wells can give you peace of mind knowing that you are protected.
Does a Well Home Warranty Cover Everything?
Most well home warranty policies will cover the cost of repairs or replacement for your well pump, pressure tank, water lines, and other essential components. Some companies also offer coverage for water damage and annual well inspections, which can help keep your system in good working order.
Are There Home Warranties for Wells?
Yes, there are home warranties for wells. Many home warranty companies either have base plans that provide coverage for wells, or well coverage is an optional add-on. So, if you’re shopping for a new home protection policy, be sure to ask if the company offers coverage for wells or review a sample contract.
What is typically covered under a home warranty for wells?
Many home warranty providers with well coverage provide protection for well pumps, pressure tanks, water lines, and other essential components. Some companies also offer coverage for water damage and annual well inspections.
Be sure to ask about what is and is not covered under a home warranty for wells before signing up for a policy. Alternatively, you can read a sample contract from the home warranty provider to determine the full extent of the well coverage.
What is a service fee?
A service fee is a charge you pay the home warranty company each time you file a claim. Service fees typically range from $50-$200 and are paid to your home warranty company when the contractor/repair person provides service covered by the home warranty.
Today's Homeowner Home Warranty Ranking Methodology
At Today's Homeowner, transparency and trust are our most important values for the reader.
To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.
We developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria. We used a five-point scale with a point index ranging from 0.00 to 1.00. The minimum awardable value is 0.0, whereas 1.00 is the maximum. These numeric points are translated into star ratings, using whole star increments between one and five.
Here is a quick breakdown of our five core scoring categories:
- Coverage (0.4): This category evaluates the scope of protection offered by a home warranty provider. We clearly distinguished between limited or broad coverage to help homeowners identify their own home protection needs. We also factor in claim turnaround times, average waiting period lengths, plan types, annual coverage limits, policy exclusions, etc.
- Cost (0.3): This category considers what home warranty companies charge homeowners monthly, annual, and out-of-pocket. We urge homeowners also to consider the cost-to-value ratio of a home warranty plan.
- Transparency and Trustworthiness (0.15): This category evaluates home warranty providers based on pending or past legal action, hidden fees, lack of information readily available on the website, exclusions, and more. We consider how upfront a company is to its potential policyholders, which says a lot about its products and services.
- Customer Support and Satisfaction (.09): This category evaluates the efficacy of a home warranty company’s effort to provide supportive guidance to inquiring customers and how policyholders are satisfied with the assistance they receive.
- Customization (.06): This category evaluates the ability of homeowners to adjust and choose their policy details, such as pricing variation, optional add-ons, and the number of plans available.
