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The most important resource in our lives is water. If you don’t have access to clean water for drinking, cooking, cleaning, and more, your home will not be habitable. Therefore the well and the well pump become one of the most important home systems that you have. When a well is not functioning properly, it needs to be repaired as soon as possible, and unfortunately, those repairs are a bit costly.
Have you been worried about the costs of maintaining and repairing your well pump? The good news is that a home warranty can help ease some of those fears and get you in a situation where you feel better about your well pump condition and future.
We have researched over forty of the best home warranty companies and plans to develop the best possible options for a home with a well. Since having a well is a unique feature in a home, it makes sense to choose a home warranty built to cover it. Here are the best home warranties for a well and how to choose the right one for your home.
A home warranty for a well is a service contract that is in place to help protect a homeowner from the costs of repairing and replacing a well. The well and the well pump are designed to bring fresh water into the home. Not all homes are on public water, and therefore, it can be a bit stressful to make sure that the well pump is functioning properly.
In addition to covering the well pump’s needs, a home warranty can also take care of other appliances and systems in the home. In fact, one of the best things about having a home warranty is that it will work to help protect your entire home.
Truthfully any home that has a well should have a home warranty for a well. It doesn’t matter where in the country you are located or how old your current well is; the costs to repair and replace a well are high. In addition, most average homeowners have no idea what to do to fix or repair a well.
In order to have peace of mind about being able to afford a repair on a well is a huge benefit of having a home warranty for your well. In addition, when you choose a great home warranty provider, more than just your well will be taken care of as part of your systems plan. You can add things like your air conditioning, water heater, and other major systems to your plan.
As we mentioned, when you purchase a home warranty for well and well pump, you will also get coverage for other areas of the home. Most home warranty companies are going to offer a basic plan and a platinum plan. In addition, you will be able to purchase an appliances plan or a systems plan based on what your individual needs are for your home.
The home warranty plan is designed to give you the best possible coverage of your home’s most important features. Whether it’s your sump pump, your cooktop, or even your garage door openers, there are home warranty plans that can be customized for your needs. Here are a couple of appliances and systems that can be covered under a home warranty plan:
Condo Home Appliances
Condo Home Systems
As great as this home warranty may sound, it is very important you understand the process of how a home warranty works, what it covers, and what it excludes. The last thing you want to happen is to invest in a plan only to find out that it does not actually offer the coverage you need. Let’s take a look at how a home warranty works.
The first step in the process is to select a home warranty provider that has all of the plans and features that you need. This process typically takes a bit of time, and you have to narrow the companies down based on price, customer service, coverage options, and more.
Once you have a home warranty provider chosen, make sure that you verify that your well is covered as part of your plan.
When you start your home warranty, you will have to wait about 30 days for the coverage to kick in. This is a waiting period that almost all companies have, even for a premier plan. The waiting period helps to ensure that your home was in good working order when you signed up. Remember that a home warranty home protection is designed to help cover issues related to normal wear, not intentional breakage or pre-existing conditions.
After your 30 day wait period, you are free to start using your plan if there is a need for a repair. If you notice that you have issues with your well or any other covered item in your plan, you can call the provider for service.
When the repair technician comes to your home, you will pay a service fee. The service fee is often looked at like you would look at a deductible on a homeowners insurance policy. The service fee is only paid for the initial repair of your system or appliance. Once the technician determines the system’s issues, the plan will cover the rest of the cost.
The service fee for your home warranty policy will vary in price depending on the plan and the features and benefits. You can expect this fee to be anywhere from $75 to $150. In addition to the service fee, you would also be responsible for your monthly premiums as part of your plan.
If a service technician or repair person cannot determine a way to fix your system or appliance, they will recommend that a replacement be purchased. Most home warranties will recover replacements up to a certain cost. Your plan will have limits that determine how much the replacement can cost and how much you will have to chip in.
Cancellation of a home warranty plan often comes with a fee. Making sure that you take a look at a sample contract prior to signing up is a smart thing to do. Most of the time, you will be responsible for taking care of the payment required for the rest of the year. Things get a bit tricky if you are canceling right after you had a major repair or replacement done. Each company has its own policies regarding how they handle cancellations.
When it comes to renewal, most home warranty companies will automatically renew your plan with the card you keep on file. If you are thinking of canceling, make sure you let the company know before the final date of your policy.
It’s also important to note that certain home warranty companies like Select Home Warranty offer a discount for signing up for more than one year at once. If you know you will also keep a home warranty in place, signing up for more than one year at once is a good choice.
Home warranties will vary in price depending on where in America you live. As you can imagine, there are some unique differences between living in Alaska and living in California, and the home warranty costs will change depending on where your real estate is located. On average, you can expect that a basic plan will cost around $40 a month. More comprehensive coverage could be closer to $60 per month.
Some plans offer additional coverage for things like pools, spas, and more. These plans continue to increase in price because of all that they include. Comprehensive plans with top home warranty companies come with the most peace of mind, yet they will have higher costs as well.
Understanding how the plan works is great; finding the best plan is the next step. There are so many different plan options on the market. If you live in Nevada, New York, Michigan, or any state in the US, your plan options will change. Here is a look at our top four choices for the best home warranty companies for well.
Choice Home Warranty (CHW) is the best overall home warranty for a well. In addition to being a great option for a well, the Choice plan offers tremendous benefits for all homeowners. This company has been in place for a very long time, has a very high-quality customer service team, and is serious about a workmanship guarantee.
With Choice Home Warranty, you will notice that the plans are very simple to understand. Choice has a Basic Plan and a Total Plan. The two options will clearly lay out the details of what they will cover and what they won’t. If something you need coverage for is not part of the plan, simply add it in as optional coverage.
The Choice Plan is a more affordable coverage option than many of the competitors on the market. In addition, you will have access to their portal 24/7 to be able to submit a request for service. If you are new to home warranties, you will quickly learn how important it is to keep things simple; with Choice, you will have that ability.
With American Home Shield (AHS) you can think of a more premium home warranty policy. Everything that we tell you to look for in a great home warranty will be there with American Home Shield. Unfortunately, this comes at a price.
American Home Shield has been in the business for many years. They started their service because, at the time, there were not very many options for homeowners that needed home warranty coverage.
Through the years, American Home Shield has grown, and its contractor network has expanded. Today they offer one of the most customizable plans on the market. Not only do you have the ability to pick and choose the appliances and systems that your plan covers, but you can also choose your service fee.
If you want to pay a lower service fee should you need a repair, you will pay a higher monthly premium. This is a nice option to have and one that can save those who are strict about their budgeting and saving. American Home Shield also has some higher policy limits when it comes to repairing and replacement. This is very important to keep in mind with the high costs associated with fixing a well pump.
Even though American Home Shield tends to come with some premium pricing, it is a company that all homeowners should look into. You will notice the premium service almost immediately, and if it comes down to cost a few extra dollars a month, it could be well worth the price.
Select Home Warranty has one of the best value plans on the market. They offer three options the Gold, Bronze, and Platinum plan. Each of these plans has some different features. With the Platinum Plan, you will get free coverage for roof leaks. This is a nice benefit to have and not one that is often covered on a home warranty.
Select Home Warranty tends to offer some excellent coverage for around $1.00 per day. If you have ever dealt with a repair of your plumbing system, refrigerator, or well, you know that it is going to cost you much more than about the $30 you spent in your first month having a Select Home Warranty in place.
The only real downside you will see with a lower-priced plan is that the coverage limits are often limited as well. With lower coverage limits, you can expect to pay a bit more out of pocket should you need a replacement. Most repair costs should fit within the limits.
It’s hard to add another monthly expense to your bottom line. Homeownership is expensive, to begin with, and spending more money is difficult. However, for the price that Select Home Warranty is offered, you will have an easier time justifying the cost.
If you have had nightmare customer service situations with a homeowners insurance policy or your home warranty, then you may be very concerned about customer service. This is certainly understandable, considering companies tend to have very different standards when it comes to customer service.
Liberty Home Guard has only been around for about four years; however, they have done some great things in the world of home warranties in that time. Liberty Home Guard is one of the only home warranty providers to obtain an A rating from the BBB while also boasting a 4.6 out of 5 star rating from customer reviews.
If it is August in Texas and your air conditioning has gone down, you are likely going to need the help of their team to get things back up and running. Someone that understands your situation and wants to make a difference for you is invaluable.
Liberty Home Guard has great coverage, impressive customer service, and many add-on options to get the coverage for your home that you need.
Now that we have given you our choice for the best home warranty company for a well, you have to do some of your own research to determine which is the best for you. Homebuyers can talk to real estate agents to see if there are recommendations from other clients. However, it is also good to do your own research before signing up for any plan.
Some home warranty companies offer home repairs and services across the entire country; others are limited to certain areas. If you think you have a home warranty company that you feel comfortable working with, make sure that they are offering coverage in your area. The options covered in our home warranty review will have a wide coverage area.
In addition to the companies that are available, consider your location when it comes to choosing your systems and appliances that need coverage. If you live in a very mild climate and never use your HVAC system, maybe it doesn’t need to be on the plan.
Think about the most important system and appliances in your home. Would you care if your refrigerator called it quits? How about your air conditioner? Do plumbing stoppages bother you? Come up with a list of the things that matter the most and write them all down.
Once you know what you want your home warranty policy to cover, you can then make better decisions about which plan is for you. A gold plan for one company may include a roof leak while it is considered an optional add ons for another company. These are important things to look for.
The Better Business Bureau or BBB can be a good resource for deciding which home warranty company is a safe choice. Home warranties are backed by the state where they are located. It doesn’t matter if you are in Hawaii, Wisconsin, or Washington; your state government will be keeping an eye on the home warranty company that you choose.
Some home warranty companies will only offer two plans, a basic and a comprehensive. Other companies allow you to choose your own service fee, customize your plan and even recommend your own technician. Please take a look at the plan choices and make sure they make sense for your situation. Obviously, you will want something that has well coverage, but what else would be nice to have as part of that plan?
If you look at your service contract and you get a headache, chances are it is a bit too complicated. When purchasing a new home, there is so much fine print to read that you have to really be careful. Stick with the companies that keep everything as simple as possible.
Coverage limits are very important when it comes to a well pump. As we have mentioned, a well pump issue is very expensive to fix. This means that if your plan has a $500 plan limit, you will likely be coming out of pocket, even for a routine fix. Even if the coverage costs a few dollars extra per month, choose the plan with the higher coverage limits when you are worried about the well.
The pricing of your policy is always an important factor to consider. Ensuring that your major appliances and systems are adequately protected is essential, and it will come at a price. Try to consider the total costs per year of your plan. Then compare that number with the potential costs of home services and repairs that would be out of pocket for you if you didn’t have the plan in place. Chances are, you will find that home warranty coverage is actually very fairly priced.
People tend to feel more comfortable with home insurance than they do with home warranties. This is likely because home insurance is more of a mandatory purchase to protect against natural disasters.
These types of things make people purchase without even thinking all that much. Home warranties seem like more of a difficult decision because they are not mandatory. Here are a few questions that many homeowners ask about home warranties and whether or not they are smart investments.
If your home has some sort of damage because of a hurricane or fire and your well gets damaged, chances are your homeowner’s insurance will step in and cover the costs. Of course, you will first be subject to your homeowner’s insurance deductible, which sometimes is quite high.
The problem with homeowners insurance is that it is not going to cover an issue that is related to normal wear and tear. In general, you have to think of a home warranty as being something that is going to take care of the day-to-day issues and problems in your home. It is similar to having a manufacturer’s warranty, except it covers a wide range of systems.
You can’t count on your homeowner’s insurance to be there when you need water, and your well goes down because of a faulty pump. However, as long as your well is part of your combo plan or optional coverage, your home warranty will handle the issue for you.
With a home warranty, you will mostly have a service call fee that will work as a deductible. The service call fee is in place to cover the cost of sending a repair person to your home to check on the issues. Once you have paid the service fee, the rest of the repair will be covered up to the limits of your policy.
It’s important to remember that with the service fee, you are not going to be responsible for a repeat service fee should the same issue occur again with your well. For instance, if you call for a problem, the repair personnel comes to fix it, and then it breaks again, you should not have to pay another service fee.
When it comes to pre-existing issues with wells, things can get a bit tricky. One of the problems is that it is very hard for homeowners to tell if there is a problem starting with their well. If you look at something like a microwave, smoke detectors even a sprinkler system, you can sometimes determine if a problem is developing. With a well, it’s much harder.
If you have a pre-existing issue with your well, it will likely not be covered by your plan. For certain issues that would not have been detectable by a human before signing up, the plan will cover it.
The best way to avoid any issues with the pre-existing damage is to have an inspection completed prior to starting your plan. If you have an inspection done, you can use this as a baseline and will be able to refer to it should a problem occur.
If you have a well, chances are it is eligible for a home warranty plan. Two things to consider would be.
If these two things are in place, then you should have no problem getting coverage for your well. For your policy to start covering your well, you will need for it to be in working condition and capable of producing clean water the way that it should be.
Signing up for a home warranty because your well broke down is not acceptable.
Depending on the company you choose for your home warranty coverage, you may need an inspection. Some companies like First American Home Warranty will prefer you have an inspection done prior to starting the policy. Other companies are fine with the 30 day wait period that they have in place.
If you have just purchased a new home, chances are you have had a home inspection, plus some type of pest control inspection done on the home. Most of the time, you can use this when signing up for your home warranty.
If you have the financial means, a home inspection is a good idea to consider. You can always refer to this inspection to make sure that your issues are properly covered.
Having a home warranty in place not only means you want to protect yourself from large repair fees, but it also means you care about your home. If you have the warranty in place you are going to use it when a repair or replacement comes along.
Those looking to purchase a home will be pleasantly surprised to know that the home has been covered with a home warranty. When it comes to something like a well or a well pump, most new homeowners are nervous about the system’s functionality.
Knowing that a home warranty was in place and that they can simply pick up where you left off is a tremendous benefit. Chances are something like this is not going to close the deal for you on the sale of your home, but it is one of those benefits that can really make a difference.
There are both positives and negatives to having a well. The ability to access your own water is a great thing; it also ends up putting a bit of stress on the homeowners. This stress can be alleviated knowing that there is a plan in place to help fix the well for a very low cost. These are the biggest benefits of having a home warranty for your well:
When you look at these benefits, the price of the monthly fee for a home warranty starts to become more justified. Even though the monthly cost will be something that you will need to add to your budget, it will likely be well worth the price.
In the end, it’s important to remember that with a home warranty for a well, you will also get additional coverage for your other appliances or systems. This comprehensive coverage of your home will, without a doubt, come in handy next time a system or appliance should need your attention.
At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology.
We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home. Additionally, transparency and trust are our most important values for the reader.
That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to make sure no detail was left out.
To make the most of our research, we developed a formula to objectively determine the best home warranty companies based on the following criteria:
We want to make sure we’re providing you, the consumer, with the most current data available for every home warranty company we’ve researched and rated. That takes significant effort but we feel that’s vital to providing you thorough and trustworthy reviews.
With that in mind, we have dedicated staff members who regularly update our database of home warranty research.
For those that want to enjoy their years of being a veteran and come home to a house that is comfortable and functioning, a home warranty makes a lot of sense. For the price that a home warranty is offered, you will quickly learn that it is indeed a good value. At an average of around $40 per month, your policy will cost you just under $500 per year.
If you have ever had an appliance or a home system that needs repair, you probably understand quite well that you will quickly reach that $500 mark to get your home back up and running. Take your time to carefully consider your home warranty options, check around for veteran discounts and then give yourself the peace of mind that you deserve.
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