The short answer
Well pumps and wellheads are 'equipment breakdown' risks — mechanical failure is excluded from HO-3. A lightning strike or power surge that fries the pump IS covered, and an equipment breakdown endorsement ($30–$70/year) covers most mechanical failures with a low deductible.
Frequently asked
- Is the well itself covered?
- Structural damage from a covered peril — yes. Water table depletion, dry well — no.
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