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Do homeowners insurance policies cover power surges?
Would my insurance cover the repairs to our new stove? We had a storm that caused power surges and outages. Our stove was damaged in a power surge prior to losing power.
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“While most home insurance policies do cover sudden and accidental damage from artificially generated electrical current, it does not cover components within an appliance.
While artificially generated electrical current is defined as man-made electricity and power surges, your insurance likely won’t provide coverage if it damages an electrical component in the stove.
To be sure, it doesn’t hurt to reach out to your
home insurance
company. They will be able to provide you with a definite answer and give you examples of what would be covered under this clause. Another option to consider for help repairing or replacing the stove would be its warranty. Your stove may still be covered by the manufacturer’s warranty, which could cover replacement parts.”
View full answer
- Gregory R.
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