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.

Answer
“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.”
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Emily Maracle
Answered on Jul 20, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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