Power Surges and Appliance Damage

Power surges can unexpectedly and quickly destroy or damage appliances in your home — and the results can be pricey. Fortunately there are some steps you can take to protect your property from power surges.

Let’s take a look at what power surges are and how your homeowners insurance can provide protection from the unexpected.

What Is a Power Surge?

A power surge is a spike or interruption in a home’s electrical grid that can overload or damage appliances or electronics in a home. Power surge causes include:

  • Overloading outlets
  • Damaged wiring
  • High-powered devices
  • Downed power lines
  • Power outages
  • Lightning

Protect your home from power surges by installing surge protectors and/or unplugging appliances during storms. Small, proactive steps like these can make a huge impact if you ever experience a power surge.

Does Homeowners Insurance Cover Power Surge Damage?

Standard homeowners insurance policies usually provide protection for covered events under your personal property coverage, up to your policy limit. So if a covered event causes a power surge and damages or destroys your appliances or electronics, your personal property coverage may help cover the cost to repair or replace them. But whether you’re covered depends on your specific policy and insurance provider, so it’s important to understand the terms and limits of your coverage. A great way to do this is by scheduling a personal insurance review with your agent. They can walk you through everything you need to know in your policy to gain confidence in your coverage.

Do you want peace of mind that your electronics will have protection from things like power surges? American Family’s equipment breakdown coverage offers protection should things like your appliances, home systems or smart home devices be damaged due to mechanical, electrical or pressure systems breakdown. Find out more about how equipment breakdown coverage helps protect you from paying for expensive repair or replacement costs.

Submitting Claims for Power Surges

With American Family Insurance, your basic homeowners insurance policy covers up to $1,200 per item of personal property (subject to your overall personal property limit). Adding equipment breakdown coverage enhances your coverage by replacing that per-item limit with a $100,000 total limit.

If you experience damage from a power surge, you can submit a claim with your insurance company to recover from those losses. Be proactive and create an inventory of the electronics (and other personal property) in your home in case you do need to file a claim. Not only will this help you determine that you have the right amount of coverage, but it’ll make filing a claim easier, too.

Want to learn about filing a claim with American Family Insurance? Head to our claims section and find out just how simple our process is.

Protect Your Home From Power Surge Damage

Having the right coverage in place — and understanding how it works — can help you protect your home from power surge damage. Learn more about homeowners insurance coverage and get in touch with your American Family Insurance agent to make sure you have the right protection in place for your home.


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Related Topics: At Home , Home Insurance