5 Best Home Warranty Companies for Wells (2024)
We chose Liberty Home Guard and American Home Shield as the top providers of well pump protection. Read our review to find out what makes them top providers.
If your home relies on well water, any issue could leave you without water for some time. This can be paralyzing for a busy household, leaving you unable to drink, wash your hands, cook a meal, or do laundry. A home warranty with well coverage gives you access to technicians who can diagnose, repair, or replace the necessary parts of your home’s main water source.
Our team has carefully vetted dozens of the top home warranty providers in the nation to determine the best companies for well coverage. We recommend Liberty Home Guard based on its $2,000 coverage limit for well pumps and specialized plan coverage. American Home Shield also offers solid comprehensive coverage, including a $1,500 cap for well pumps. Keep reading to learn more about well warranty coverage and how our top picks compare based on policies, costs, and add-on options.
Key Takeaways
Best Home Warranty Companies for Well Coverage
Compare Home Warranties for Well Coverage
Monthly Cost
Service Fees
Customer Support Options
Response Time
Pros
- Extensive add-on catalog
- 60-day workmanship guarantee
- Accessible customer support
- High coverage caps
- Preexisting coverage included
- Bonus discounts on maintenance services
- Low-cost plan options
- High HVAC coverage
- Free roof leak protection
- Flexible service call fees
- Extended coverage upgrades available
- Unlimited workmanship guarantee
- Home inspection not required for coverage to start
- 30-day labor guarantee and 90-day parts guarantee
- Coverage regardless of item age, make, or model
Cons
- Reviews mention low claim payouts
- Low coverage caps for electrical and plumbing
- Higher costs for comprehensive coverage
- Smallest add-on catalog
- Low coverage caps for other items
- No service call fee flexibility
- More limited contractor network
- Processing fee imposed on monthly premiums
- Not BBB accredited
- Higher than average service fee
Summary
We recommend Liberty Home Guard for homeowners who need coverage for multiple HVAC systems and extensive add-on customizations.
We recommend American Home Shield for homeowners who need comprehensive coverage for older homes.
We recommend Select Home Warranty for homeowners who need affordable HVAC-only coverage.
We recommend 2-10 Home Buyers Warranty for homeowners who want the most affordable appliance-only coverage.
We recommend The Home Service Club for homeowners who want quick coverage without a home inspection required for it to kick in.
Promotions
Rating Categories
Coverage
Value
Trustworthiness
Plan Transparency
Customer Support
Flexibility
How Much Does A Well Warranty Cost?
On average, a well warranty costs $35–$54 per month, including the monthly premium and add-on costs. Most home warranty providers offer well pump coverage as an add-on to their base plan packages. This means you’ll need some form of standard coverage plus add-ons to receive well warranty protection. Add-on costs vary from $6–$15 per month, depending on the provider.
Our recent survey of 1,000 home warranty customers showed us that adding well warranty coverage was a popular choice. In fact, 25.4% specifically chose an add-on for well pump coverage. We recommend getting quotes from multiple providers to find the right coverage. Each provider will vary in the components it covers and the limits it outlines, so it’s important to compare plans before making your final choice.
Are Wells Covered by Homeowners Insurance?
Yes, well pumps receive coverage under homeowners insurance, but the protection is different. Homeowners insurance covers damage that results from a perilous event, such as weather damage or vandalism, not normal wear and tear. They also don’t offer protection once your manufacturer warranty expires. A home warranty with well pump coverage offers protection for those coverage caps and helps reduce repair costs. We recommend covering your well pump under your homeowners insurance and home warranty plan to receive the most complete coverage.
Reviews of the Best Home Warranty Companies for Wells
Our Final Take on the Best Well Pump Warranties
Based on the amount of coverage offered, we recommend Liberty Home Guard for well pump repairs and replacements. LHG offers an impressive $2,000 in coverage alongside a generous workmanship guarantee for all completed repairs. If you want to prioritize your home’s appliances and systems while covering your well pump, American Home Shield and 2-10 Home Buyers Warranty are solid options. Before signing up, we recommend pulling quotes from three providers to compare costs and coverage options.
FAQ About Well Pump Warranties
How long does a well pump warranty last?
A well pump’s manufacturer’s warranty typically lasts five years. A well pump warranty with a home warranty company lasts 12 months and has an option for annual renewal.
Do home warranties cover well pumps and septic tanks?
Yes, many home warranty providers cover well pumps and septic tanks as an add-on. You’ll want to carefully read every provider’s policy to discover precisely which parts of your system are covered. For example, many providers will cover the well pump but not the pressure tank.
How long does a well pump last?
The average well pump lasts 10–15 years, but with proper maintenance, it can last up to 25 years.
Related Resources
Our Rating Methodology
We back up our home warranty ratings and recommendations with a detailed rating methodology to score each provider objectively. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys.
We score each provider against our review standards, which include four comparison categories: coverage, value, trust and transparency, and availability and service. We rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating.
Here’s a breakdown of our weighted factors:
- Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.
- Additional coverage items
- Annual coverage cap
- Home systems coverage
- Major appliances coverage
- Obstructed wall coverage cap
- Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs.
- Average monthly cost
- Cost flexibility
- Lowest service fee
- Trust and Transparency (16%): We evaluated each company’s reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability.
- Brand reputation
- Policy change flexibility
- Sample contract availability
- Workmanship guarantee length
- Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician.
- Claims process
- Guaranteed response time
- Service flexibility
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.