Power Surge Protection: Does Your Homeowners Insurance Cover It?

A power surge is an electrical disturbance that causes a sudden increase in voltage. Power surges can damage your electronics and appliances. Some homeowners insurance policies cover power surges, but most don't. In this blog post, we'll discuss whether or not your homeowners insurance policy covers power surges and what you can do to protect your home from electrical damage.

What Causes Power Surges?

Power surges are caused by a variety of things, including lightning strikes, downed power lines, and faulty wiring. Power surges can also be caused by high-powered devices such as air conditioners, refrigerators, and microwave ovens. When these devices turn on or off, they can cause a sudden spike in voltage.

Does Homeowners Insurance Cover Power Surges?

Most homeowners insurance policies exclude coverage for power surges. That means if your home is damaged by a power surge, you will have to pay for the repairs out of pocket. Some insurers offer optional endorsements that provide coverage for power surges, but these endorsements are typically expensive.

How Can I Protect My Home From Power Surges?

There are a few things you can do to protect your home from power surges:
• Unplug electronics and appliances when they're not in use. This will help prevent damage if there's a power surge.
• Install surge protectors on all of your electronic devices. Surge protectors divert excess voltage away from your devices and help prevent damage.
• Have your home's electrical system checked regularly by a licensed electrician. This will help identify any potential problems that could cause a power surge.

Power surges are unpredictable and can cause serious damage to your electronics and appliances. Most homeowners insurance policies exclude coverage for power surges, so it's important to take steps to protect your home from electrical damage. You can unplug electronics when they're not in use, install surge protectors on all of your devices, and have your home's electrical system checked regularly by a licensed electrician. By taking these precautions, you can help prevent costly repairs in the event of a power surge.

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