What is included in a private well protection plan?

Private well protection plans typically cover the well pump, pressure tank, pressure switch, well pump capacitor, and related mechanical and electrical components. Some plans may also include tank bladder replacement and certain connecting pipes. Review your plan for exact coverage terms.

Who qualifies for private well protection?

To qualify, you generally need to own your home, use a private residential well as your primary water source, and have a well that is currently operational. An eligibility review or inspection may be required before coverage begins.

How is private well protection different from homeowners insurance?

Homeowners insurance typically covers sudden, accidental damage from events like fires or floods. It generally does not cover mechanical breakdown of your well pump or pressure tank due to normal wear and aging. A private well protection plan is specifically designed for that type of mechanical failure.

Does private well protection cover well drilling or deepening?

Most private well protection plans cover above-ground and in-ground components like the pump and pressure tank, but do not cover the cost of drilling a new well, deepening an existing well, or restoring a dry well. These are typically classified as construction costs, not repair or replacement.

How quickly can I get service if my well pump fails?

If your well pump fails, protection plan providers typically connect you with a qualified, local service technician. Response times vary by location and the plan provider's network, but the goal is to restore your water service as quickly as possible.

Private Well Protection — Coverage for Your Home's Well System

Private well protection plans cover the components that keep your home's water flowing — from the well pump to the pressure tank and electrical system.

Check Your Eligibility

When your private well stops working, there is no utility company to call. The full cost of diagnosing, repairing, or replacing your well pump falls entirely on you — and it can happen without warning. A private well protection plan is designed to change that equation.

What Private Well Protection May Cover

A private well protection plan may cover the cost of repairing or replacing the core mechanical components of your well system when they fail due to normal wear and mechanical breakdown. Coverage typically includes the well pump motor and pump assembly, the pressure tank and bladder, the pressure switch and electrical components, and related in-ground and above-ground well system parts. Specific inclusions depend on your plan — always review your plan's coverage terms before enrolling.

How the Plan Works

After your eligibility is confirmed and your plan is active, if a covered component fails, you contact your plan provider. They dispatch a qualified, local well technician from their service network to diagnose the issue. Covered repair or replacement costs are then handled by the plan, subject to your coverage cap and any applicable service fee. You pay the service fee — the plan handles the rest of the covered costs.

Why Private Well Homeowners Need This

Approximately 13 percent of American households rely on private wells for water. Unlike homes on municipal water, private well owners have no safety net when something goes wrong. A submersible pump replacement can cost $1,500 to $2,500 or more. An emergency service call without a plan often costs twice the normal rate. A well protection plan converts that unpredictable, high-cost event into a manageable, predictable service fee.

How to Check Your Eligibility

Eligibility is based on your well system's current condition and whether your home is a qualifying residential property with a private well. Complete the short eligibility form to find out if your well qualifies. The process takes a few minutes and there is no obligation to enroll.

Ready to protect your well?

Check if your property is eligible. Takes less than 2 minutes.

Check Your Eligibility

Related Coverage

Well Pump Warranty

What Does a Well Warranty Cover?

Check Eligibility