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Does home insurance cover a well pump?

We have a well and have had issues getting water to our house. I think our well pump is broken. We have a home insurance policy, so I’d like to submit a claim if we can. Will our home insurance cover a well pump?

Emily Maracle · Updated on Aug 30, 2023

Reviewed by Shannon Martin, Licensed Insurance Agent.

Water is an essential part of a functioning home, so getting your well pump fixed as soon as possible is important! Depending on the cause of damage and the type of policy you have, your home insurance may cover your well pump.

If lightning, fire, freezing, or any of the 16 covered perils caused the damage to your well pump, your home insurance should cover the repair. If your well pump stopped working due to age or normal wear and tear, it will not be covered.

That said, there are several

different types of home insurance

. If you have an HO-3 policy, it’s open peril, meaning it covers everything except what is specifically excluded. You’ll want to review your policy’s terms and conditions to determine whether your policy covers your well pump.

You can also always call your home insurance company for clarification.

If you can submit a claim and find your insurance rates increase, consider using

. Jerry gathers quotes from top insurance companies to find you the best rates for the coverage you need.

MORE:

The 16 perils of home insurance

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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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