power surge insurance
April 11, 2019

Will My Insurance Cover Damage from a Power Surge?

A sudden increase in electricity (a discharge) can damage or destroy equipment and materials in a short time. And with more electronic devices than ever in our homes, it can be expensive. Depending on the power outage, coverage of personal property in a homeowner's insurance can help cover damaged or destroyed equipment.

According to the two main events, the National Institute of Standardization and Technology:

  • can cause surges, as well as surges during instant strikes.
  • Shocks are caused by sudden changes in electrical loads in the home or in the utility company.


Coverage on the owner's of the policy generally provides several types of coverage. An important protection is the protection of the personal property, which can help to replace your property if it is damaged by a covered hazard. If your electronic devices are damaged or destroyed by a power outage, protecting your personal property in your homeowner's insurance can help protect you, within the limits of your contract. However, coverage may vary depending on your individual policy. Therefore, it is important to read your policy carefully or consult your insurance agent.

Insurance policies Insurance Information Institute explains that some plans, but not all, cover surges that occur when lightning occurs in your home.

Most home insurance policies provide some protection against sudden and accidental damage caused by artificial electricity before III. However, Section III indicates that some insurers do not cover tubes, transistors and other electronic components, components that make electronic components work. Check your policies to find out what things are not covered in your home.

For example, if a device overheats and melts due to a power failure, its owner's insurance can cover that loss. The owner's insurance can also provide protection if an energy overload damages the electronic parts of your property.

Pre-planning and Surge Protection

It is important that you have a good inventory of your belongings if you ever need to file a claim. It will also be easier to claim if you need it.

After all, there are proactive measures you can use to protect your home. The III proposes to install a lightning protection system and to use over-voltage protection devices. In the event of a thunderstorm, you should consider disconnecting devices, including the most sensitive electronic devices, such as computers, from the network.

Of course, nobody wants their electronic devices or equipment to be fried in a hurry. However, if you have implemented protective measures and understand the terms and limitations of your homeowner's insurance coverage, you can feel calm.

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