Will Home Insurance Cover Damage From Power Outages?

Home insurance can help you make repairs after a covered disaster. Power outages can cause quite a bit of damage, from power surges destroying electronics to spoiled food and more. There are a few times that your policy will pitch in to help, and a few things you need to know. 

Covered Perils

Your Longwood, FL policy will only help if the power outage is due to a covered peril. Most policies cover many natural disasters, wind storms, and lightning damage. However, things like car accidents hitting a telephone pole are usually excluded. An agent at Express Insurance can help you learn more about your coverage. 

Power Surges

Power surges occur when a sudden burst of power travels through the wiring, which can fry electronics. It can also trip a breaker. These are covered only if they result from a covered event, such as a lightning strike. Your policy won’t cover issues like an overloaded circuit caused by a homeowner plugging in too many devices. 

Coverage Limits

Your policy will have certain limits for specific things. Often, reimbursement for spoiled food is capped at a few hundred dollars. It’s common for personal belongings coverage to be a certain percentage of your policy, such as 10%. Electronics may be excluded as high-value items. You also have to pay a deductible before your policy will kick in to help cover damages. 

Friendly agents here at Express Insurance can help you learn more about what your policy covers and how reimbursement for things like food spoilage works. Contact us today to learn more. We’re currently serving the Longwood, FL area.