If your home relies on well water, any issue could leave you without water for some time. For a busy household, this can be paralyzing, leaving you unable to drink, wash your hands, cook a meal, or do laundry. For this reason, many homeowners have to act fast when they notice the first signs of trouble with their well. A home warranty can give you the confidence to act fast without fearing the financial burden of repairs or replacements.
While wells are typically covered within five years of installation, they are often much older than that, which can leave you without the protection of a well warranty. Many home warranty providers offer well pump coverage as an add-on to their base plan packages. Each provider will vary in the components it covers and the limits it stipulates, so it’s important to compare plans before making your final choice.
The This Old House Reviews team has carefully vetted dozens of the top home warranty providers to determine the five best companies for well coverage. Below you’ll see what makes each company stand out and how the policies, costs, and add-on options compare.
The Best Home Warranty Companies in 2022
- American Home Shield: Best Overall
- Choice Home Warranty: Best Basic Plan
- 2-10 Home Buyers Warranty: Cheapest Appliances Plan
- The Home Service Club: Quickest Coverage
- Select Home Warranty: Best Value
American Home Shield: Best Overall
American Home Shield (AHS) offers the most comprehensive well pump add-on on this list with a generous coverage cap of $1,500. AHS also stands out for its 50-year legacy in the industry, which makes it the oldest provider we reviewed.
- Covers up to $1,500 in well pump repairs and replacements
- Offers well pump coverage for $8 a month
- Has no coverage caps on built-in systems and high coverage caps on appliances
Learn more: American Home Shield Review
Plans & Pricing
AHS offers three plan options. The ShieldSilver plan covers exclusively built-in systems, while ShieldGold expands on that coverage to include appliances. The ShieldPlatinum plan covers all the items in the ShieldGold plan, plus roof-leaks and other essential items. You can also adjust your monthly fees with the flexible service call fee model.
Here are more details about American Home Shield’s plans and additional coverage:
- ShieldSilver ($29.99–$44.99 per month): This plan covers air conditioners, heating units, ductwork, built-in exhaust, vent, attics fans, main breaker and fuse panel box, doorbells and chimes, interior electrical lines, ceiling fans, garage door openers, interior plumbing lines, toilets, faucets and valves, whirlpool tub motor and components, and water heaters.
- ShieldGold ($39.99–$54.99 per month): This plan covers all the items in ShieldSilver plus refrigerators, ranges, cooktops, ovens, dishwashers, built-in microwave ovens, garbage disposals, instant hot/cold water dispensers, washers, and dryers up to $3,000.
- ShieldPlatinum ($59.99–$74.99 per month): This plan covers all the items in the two earlier plan tiers plus roof-leak repairs up to $1,500, an annual HVAC tune-up, unlimited AC refrigerant, and coverage for code violations and permits. It also raises the coverage cap on appliances to $6,000.
- Optional Add-Ons: Electronics Protection Plan, pool or spa, guest unit up to 750 square feet, septic pump, well pump, limited roof-leak, re-key services, discounted heated or AC tune-up, and air filter discounts.
- Service Fee: $75–$125
To request a quote from American Home Shield, call 844-529-9298 or use this simple online tool.
Choice Home Warranty: Best Basic Plan
Choice Home Warranty rates highly in our review standards for its comprehensive plans, personalized customer service, and relatively low cost compared to other providers in the industry. Despite a pending lawsuit in Arizona, which alleges the company failed to uphold its contractual obligations, a representative at the company informed us that more than 90% of 1.1 million claims had been approved in 2021.
- Covers up to $500 in well pump repairs
- Has plans for less than $55 a month
- Features a small team of customer service representatives who monitor each account for consistency
Learn more: Choice Home Warranty Review
Plans & Pricing
Choice Home Warranty offers two plan options, both of which offer combination coverage for built-in systems and appliances. You can add well pump coverage to each of these plans for roughly $8.33 a month.
Here are more details about Choice Home Warranty’s plans and additional coverage:
- Basic Plan ($46.83 per month): This plan covers your heating system, electric system, plumbing system, plumbing stoppages, water heater, whirlpool bathtub, oven/range/stove, cooktop, dishwasher, built-in microwave, garbage disposal, ductwork, garage door opener, ceiling and exhaust fans.
- Total Plan ($54.75 per month): This plan covers all the items in the Basic Plan plus your clothes washer, clothes dryer, air conditioning, and refrigerator.
- Optional Add-Ons: Pool/spa, limited roof leak, stand-alone freezer, central vacuum, second refrigerator, well pump, septic system, sump pump, and septic tank pumping.
- Service Fee: $85
To request a free quote from Choice Home Warranty, fill out this form or call 929-400-6165.
2-10 Home Buyers Warranty: Cheapest Appliances Plan
2-10 Home Buyers Warranty is one of the only providers on this list to rival the industry experience of AHS. With more than 38 years of experience, 2-10 Home Buyers Warranty offers homeowners a suite of plans that allows them to cover as much or as little as they see necessary.
- Offers up to $500 in well pump coverage for $6 a month
- Features a appliance exclusive plan for as low as $22 a month
- Comes with 38 years of industry experience
Learn more: 2-10 Home Buyers Warranty Review
Plans & Pricing
2-10 Home Buyers Warranty offers three plan types. The Simply Kitchen plan covers only kitchen appliances, such as your built-in microwave and dishwasher. The Complete Home plan expands that coverage to include built-in systems such as your heating system and thermostat. 2-10’s most comprehensive plan, Pinnacle Home, covers all the items in the Complete Home Plan plus a number of other uncommon coverage items.
Here are more details about 2-10 Home Buyers Warranty’s plans and additional coverage:
- Simply Kitchen ($22 per month): This plan covers your built-in microwave, dishwasher, range, oven, cooktop, and refrigerator with ice maker.
- Complete Home ($51 per month): This plan covers all the items in the Simply Kitchen plan plus your heating system, thermostat, interior gas lines, air conditioner with pump, plumbing system, and electrical system.
- Pinnacle Home ($60 per month): This plan covers all the items in the Complete Home plan plus cosmetic appliance parts, crane cost, filters, refrigerant recovery and recharges up to $150, electrical cut-off switches, faucets and faucet handles, showerheads, arms, and tub spouts, interior and exterior hose bibbs, PEX manifold plumbing system, concrete encased or concealed water, gas, drain, waste, and vent piping leaks or breaks in the plumbing system, haul away/disposal fees, burglar and fire alarm, attic and bathroom exhaust fans, and concrete-encased or concealed wiring.
- Optional Add-Ons: Luxury package, washer and dryer, roof-leak, HVAC surplus, garage door opener, additional refrigerator, additional wine cooler, additional freestanding freezer, additional wet bar refrigerator, pool, septic system, well pump, water softener, extended pipe leak, and preseason HVAC tune-up.
- Service Fee: $65–$100
To request a custom quote from 2-10 Home Buyers Warranty, use this quick form or call 855-498-4719.
The Home Service Club: Quickest Coverage
The Home Service Club is the only provider on this list with a coverage cap for wells that rivals American Home Shield. It also provides a workmanship guarantee of up to 90 days for parts and up to 11 additional coverage options, including well pumps, water softeners, and sprinkler line systems.
- Extends up to $1,000 in coverage for well pumps
- Includes pest control in its Comprehensive Plan
- Basic plan offers more extensive coverage than many of its competitors
Learn more: The Home Service Club Review
Plans & Pricing
The Home Service Club offers two plan options: a Standard Plan and a Comprehensive Plan. The Standard Plan covers a combination of 18 built-in systems and appliances, including your water heater, garage door opener, and laundry machines. The Comprehensive Plan extends coverage to 13 additional home systems and appliances.
Here are more details about The Home Service Club’s plans and additional coverage:
- Standard Plan ($51.25 per month): This plan covers air conditioning, ceiling fans, central vacuums, dishwasher, clothes washer, clothes dryer, electrical system, food center, garage door opener, garbage disposal, trash compactor, heating system, refrigerator ice maker, microwave, oven/stove/cooktop, plumbing system, refrigerator, and water heater.
- Comprehensive Plan ($62.50 per month): This plan covers all the items in the Standard Plan plus alarm wiring, doorbells, ductwork, gas leaks, hot water pump, pest control, plumbing stoppages, smoke detector, sump pump, telephone wiring, hot water dispenser, water leak, and whirlpool tubs.
- Optional Add-Ons: Sprinkler system line coverage, freestanding freezer, built-in refrigerator units with dual compressors, well pump, water softener, jetted bathtub, roof coverage, pool and spa equipment, spa and spa heater, sewage ejector pump, utility, and home service line coverage.
- Service Fee: $95
To request your quote from The Home Service Club, call 800-842-9334 or fill out this simple form.
Select Home Warranty: Best Value
Select Home Warranty is the only provider on this list to include free limited roof leak coverage with any plan tier. Its service contract also notes that it will respond to claims within 12 business hours of receipt. In addition, Select will cover the costs to repair all components of your home’s well pump, as long as it is your home’s primary water source.
- Provides up to $400 in well pump coverage
- Includes free roof leak coverage with each plan tier
- Has plans for less than $50 a month
Learn more: Select Home Warranty Review
Plans & Pricing
Select Home Warranty offers three standard plan options, an appliance-exclusive plan, a systems-exclusive plan, and a combo plan that provides comprehensive coverage for your home’s appliances and built-in systems. All plans are priced affordably at less than $50 a month, excluding add-ons.
Here are more details about Select Home Warranty’s plans and additional coverage:
- Bronze Care ($44.42 per month): This plan covers your cooktop, dishwasher, garbage disposal, built-in microwave, refrigerator, stove/oven, clothes washer, and clothes dryer.
- Gold Care ($44.42 per month): This plan covers your air conditioning, ductwork, electrical system, heating system, plumbing system, and water heater.
- Platinum Care ($49.83 per month): This plan covers all of the items in the Bronze and Gold Care plans, plus plumbing stoppages and garage door openers.
- Optional Add-Ons: Central vacuum, lawn sprinkler system, pool, septic system, spa, stand-alone freezer, sump pump, and well pump
- Service Fee: $75
To request a personalized quote from Select Home Warranty, use this simple online tool or call 888-370-3956.
AHS offers an impressive $1,500 in coverage, which is almost $1,110 more than other providers offer, while The Home Service Club offers a still-impressive $1,000. If you want to prioritize your home’s appliances while covering your well pump at an affordable price point, 2-10 Home Buyers Warranty is another solid option.
Compare the Best Home Warranty Companies of 2022
|Provider||Visit site||Monthly cost*||Service call fee||States covered|
|Provider||Visit site||Monthly cost*||Service call fee||States covered|
|American Home Shield||ahs.com||$29.99–$74.99||$75–$125||49|
|Choice Home Warranty||choicehomewarranty.com||$46.83–$54.75||$85||48|
|2-10 Home Buyers Warranty||2-10.com||$22–$60||$65–$100||42|
|The Home Service Club||hscwarranty.com||$51.25–$62.50||$95||49|
|Select Home Warranty||selecthomewarranty.com||$44.42–$49.83||$75||47|
*All cost data used in this article is based on sample quotes for a single-family home smaller than 5,000 square feet located in Madison Heights, Michigan.
- First American Home Warranty vs. American Home Shield
- Select Home Warranty vs. Choice Home Warranty
- Choice Home Warranty vs. American Home Shield
- Choice Home Warranty vs. First American Home Warranty
- Liberty Home Guard vs. American Home Shield
- Select Home Warranty vs. American Home Shield
How to Find the Best Home Warranty
Before you select a home warranty, you’ll need to do some research. Below we’ve broken down the steps to finding the best home warranty coverage for you.
- Decide what you want to cover. Before shopping for a policy, it’s important to have a sense of what items are most important to you to cover. You should be proactive enough to avoid pre-existing conditions and make sure all items have been adequately maintained to avoid coverage exclusions.
- Browse and compare plan options. Request quotes from as many providers as possible and compare the number of covered items, the monthly prices, and the service call fees of each plan.
- Read sample agreements carefully. After you’ve narrowed down your list to the policies that interest you, it’s important to familiarize yourself with coverage limits and exclusions. This step of due diligence will help you avoid denied claims in the future.
What Is a Home Warranty?
A home warranty is a kind of home insurance that covers the cost of repairs and replacements for your home’s essential internal components when they break down due to normal wear and tear. Compared to homeowners insurance, home warranties typically cover appliances and built-in systems that malfunction due to everyday use as opposed to catastrophic events.
How Does a Home Warranty Work?
Like insurance, home warranties operate by charging customers a fee to participate in the program and a separate fee when they file a claim. In exchange, customers have access to a network of licensed technicians who will diagnose, repair, or replace damaged items at a fraction of the cost of retail.
What Does a Home Warranty Cover?
A home warranty covers damage that occurs from everyday use, but generally not accidental damage, manufacturer’s defects, or items damaged by improper installation and modification. It’s important to read each provider’s sample agreement or speak to a representative about coverage caps and limitations. For example, American Home Shield and The Home Service Club place higher coverage caps on well pumps than their competitors.
How Much Does a Home Warranty Cost?
According to our research of 39 providers, the average home warranty costs between $38 and $63 a month. The higher end of that range accounts for plans that cover a combination of built-in systems and appliances, while the lower range is typically reserved for basic plan options. Our research suggests that the average service call fee is roughly $77 per claim.
Are Home Warranties Worth It?
Home warranties are worth it for anyone who wants to cut home maintenance costs. While you may be able to cover these costs with your savings, a home warranty helps you minimize the financial impact of making an expensive repair or replacement.
According to the Home Service Club, a repair or replacement for your well pump could cost as much as $3,565 without a home warranty. If that sounds like a no-brainer expense to you, then you may not need a home warranty, but if you cringe at that figure, a home warranty can help.
Frequently Asked Questions About Home Warranties
How long is a well pump warranty?
After installation, well pumps are typically covered by a manufacturer’s warranty for five years. This warranty covers replacement parts, but it typically excludes labor costs. According to Mr. Rooter, the average well pump can last anywhere from 10–15 years, which leaves you with a gap of 5–10 years if you don’t have a home warranty.
With a home warranty, you can access technicians who can diagnose, repair, or replace the necessary parts of your home’s main water source without fearing large out-of-pocket expenses.
Do home warranties cover well and septic?
Many home warranty providers cover well pumps and septic tanks as an add-on option. You’ll want to read every provider’s policy carefully to discover precisely which parts of your system are covered. For example, many providers will cover the well pump but not the pressure tank.
Are wells covered by homeowners insurance?
Wells are only covered by homeowners insurance if the damage results from a perilous event, such as weather damage or vandalism, but not in everyday use.
Our Home Warranty Review Methodology: How We Chose The Best Home Warranty Companies
The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. With that in mind, we spent time creating an objective rating system to score each home warranty company. Here’s what that review process looks like:
- We call every home warranty provider, talking to sales agents and company representatives. We get quotes, ask questions, and fully understand the protection plan offerings.
- We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
- We analyze the sample contracts from each brand we review. This allows us to break down the industry jargon and see what is and isn’t covered so we can give readers straightforward information.
- We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other.
With all of that data, we created a rating system to score each home warranty company. Our rating system is a weighted, 100-point scale on the following factors:
- Plan options (25): Every home and every family needs the right home warranty plan for them. Providers with more options and more flexibility were rated higher than those without.
- Coverage specifics (5): What does each plan and each provider cover? The more covered by the provider in their basic plans, the higher the score.
- Pricing (25): Both the monthly fee and the service fee play an important role in the selection process.
- Trustworthiness (25): There are a number of home warranty companies that aren’t reputable and don’t follow through on their agreements. We gauged trustworthiness based on customer feedback from the BBB.
- State availability (5): Where you live plays a role in the options you have for a home warranty. Companies scored higher if they covered more states than their competitors.
- Customer service (10): This factor is based on our own research from calling providers, as well as their guarantees for responding to claims.
- Additional benefits (5): Some home warranty companies offer special promotions or will cover items in their plans that are usually considered optional coverage for most companies. Home warranty companies that offer these types of benefits were scored higher than competitors that didn’t.
In summary, the This Old House Review Team reviewed 45 companies to select this list of the seven best home warranty providers. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability.
To share feedback or ask a question about this article, send a note to our Reviews Team at email@example.com.