A median of $267,700 across 15,206 households, many of them on property outside the municipal systems. A well and a septic field are expensive, essential and largely outside a standard policy.
A well pump and a septic system are equipment and infrastructure. Both fail, and neither is well covered by default.
Three things about supplying your own water and treating your own waste.
If lightning strikes the wellhead that is a covered peril. If the pump simply fails after fifteen years in the ground that is mechanical breakdown, and a standard policy pays nothing. Replacing a submersible pump means pulling the string out of the bore, which is the kind of job where the labor outweighs the part.
A leach field that stops working is deterioration rather than a sudden loss, and standard forms exclude it. What may be covered is resulting damage from a sudden backup into the house, which is a different question again and often needs its own endorsement.
An equipment breakdown endorsement extends to pumps, pressure tanks and similar systems, and it is inexpensive. On a property where the water supply is your own responsibility it is one of the more useful additions available.
The infrastructure that came with the land.
It changes which endorsements are worth carrying.
Both wear out and neither is covered by default.
Inexpensive, and it is what reaches these systems.
Tell us whether the property is on a well and septic, and how old the pump is.
