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Most standard insurance policies provide coverage for sudden, unexpected damage from specific causes like electrical surges or lightning strikes. However, policies typically exclude coverage for normal wear and tear or maintenance-related issues. Review your specific policy language carefully, as coverage details vary significantly between insurance providers.

While continuous operation would significantly increase costs, residential well pumps aren't designed to run constantly. Instead, they operate intermittently as needed to maintain pressure, typically running several hours daily rather than continuously. Modern systems use pressure tanks and switches to manage pump cycling efficiently.

Check for features like variable speed operation, modern motor design, and appropriate sizing for your needs. Frequent cycling, unusual noises, or unexpectedly high electric bills may indicate efficiency problems. A professional evaluation from a home energy auditor near you can help identify opportunities for improving system performance.