Is A Power Surge Covered By Insurance?

Picture this: you’re at home, watching your favorite show on TV when suddenly the power goes out. You check the circuit breaker and find that it’s tripped due to a sudden power surge. Panic sets in as you realize that all of your expensive electronic devices are now potentially damaged beyond repair.

But wait, do not fret just yet! Did you know that insurance could cover damages caused by a power surge? In this blog post, we’ll dive into the details of what is covered and how to file an insurance claim for such an event. So sit back, relax, and read on!

Power surge protection devices

Protecting your home from power surges is not only important for the longevity of your electronic devices but also for the safety of you and your family. Power surge protection devices are designed to regulate electrical voltage and protect electronic equipment from sudden increases in power.

One common device used by many households is a surge protector, which works by diverting excess voltage away from sensitive electronics. It’s essential to note that not all power strips are created equal; some offer basic surge protection while others provide advanced features such as automatic shutdown during severe surges.

Another option is whole-house surge protection, which includes an installed device that regulates incoming electricity before it enters the home’s wiring system. This type of protection can help prevent damage to appliances like air conditioning units or refrigerators.

It’s crucial to understand that no matter how many protective measures you take, they cannot guarantee 100% safety against a power surge. However, investing in one or more of these devices can provide peace of mind knowing that you’ve taken proactive steps towards protecting your household electronics and reducing potential damages caused by a sudden electrical event.

How to file an insurance claim for a power surge

If you experience a power surge in your home, it’s important to know how to file an insurance claim. First and foremost, make sure everyone is safe and turn off any appliances or electronics that may have been affected by the surge.

Next, contact your insurance company as soon as possible. They will likely ask for information such as the date and time of the power surge, a list of damaged items, and any photos or videos you have documenting the damage.

It’s important to keep all receipts from repairs or replacements related to the power surge. Your insurance company may require this documentation when processing your claim.

Your insurance policy may also have specific requirements for filing a claim related to a power surge. Be sure to review your policy carefully before submitting your claim.

Remember that not all damages caused by a power surge may be covered by insurance. Exclusions can include damage due to negligence or lack of maintenance on appliances or electronic devices.

By following these steps and being prepared with proper documentation, you can increase your chances of successfully filing an insurance claim for damages caused by a power surge.

What does insurance cover?

When it comes to power surges, insurance policies can vary in coverage. Generally, a standard homeowners’ insurance policy will cover the damages caused by lightning strikes or electrical fires resulting from a power surge.

However, it’s important to note that not all types of power surges are covered under insurance policies. For instance, if your electronic devices were damaged due to an internal malfunction rather than an external event such as lightning or downed power lines, then your insurer might deny you coverage.

Furthermore, there may be limits on how much compensation you can receive for damage related to a power surge incident. Your policy may only cover up to a certain dollar amount per item or limit the total payout for all affected items.

It’s also worth noting that some insurers offer additional coverage options specifically for power surges and other electrical events. These add-ons come at an extra cost but can provide greater protection against losses from unexpected electrical problems.

When it comes to understanding what is covered by insurance in the event of a power surge incident; it’s best always read through your policy carefully and consider any optional add-ons available with your insurer before making any decisions about purchasing new electronics or taking steps towards protecting yourself from these situations.

Exclusions from insurance coverage

While insurance coverage for power surges can certainly offer peace of mind, it’s important to understand that there are some exclusions that may prevent you from receiving compensation.

One common exclusion is if the surge was caused by a natural disaster or other external factor beyond your control. For example, if lightning strikes your home and causes a power surge, your insurance company may not cover the damages.

Another potential exclusion is if the power surge was caused by faulty wiring or outdated electrical systems in your home. In these cases, it’s up to the homeowner to ensure that their electrical systems are in good working order and able to handle power surges.

It’s also worth noting that many insurance policies have limits on how much they will pay out for damages related to power surges. Make sure you understand what those limits are and whether they would be enough to cover any potential losses.

Keep in mind that every insurance policy is different and has its own set of exclusions. Be sure to read through all documentation carefully and ask questions about anything you’re unsure of before signing up for coverage.


Power surges can cause significant damage to your electrical appliances and electronics. While it’s easy to assume that insurance will cover any losses resulting from a power surge, this isn’t always the case. Before you file an insurance claim for a power surge, be sure to understand what is covered by your policy.

It’s essential to take preventive measures such as installing power surge protection devices in your home or office. These devices provide an extra layer of protection against surges caused by lightning strikes or other electrical disturbances.

If you do experience damages due to a power surge, document everything carefully and keep all receipts for repairs or replacement items. When filing an insurance claim, make sure you have all necessary information ready and understand the limits of coverage under your policy.

Remember that not all policies cover power surges, so it’s best to review and update your coverage regularly with a trusted insurance agent.

With proper preparation and knowledge about how insurance works regarding power surges, you can protect yourself from costly damages and ensure peace of mind in the event of unexpected loss.