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Protecting your home from power outages with Home Insurance

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Don’t let the fear of power outages take over your life. Protect your appliances and your finances with Home Insurance. Continue reading to learn how you can do that!

Power outage is a serious issue in many places around the country. People who have to deal with it often understand how hazardous it can be. It can cause equipment/machinery to malfunction or break down, loss of data, damage to wiring, accidents, fire incidents, and much more. And unless it’s a planned incident, it’s impossible to anticipate when it’s going to occur. The best you can do is prepare in advance for a power outage.

If you live in an area that experiences a lot of power outages, then every precautionary step must be important for you. And hence, you must be wondering ‘what disasters does Home Insurance cover?’ and ‘Does Home Insurance cover damage from a power outage?’. And that’s what we’re here to talk about.

So put on your reading glasses because you’re about to learn how you can take advantage of your Home Insurance to cover power loss incidents.

Protecting your devices with Home Insurance

Your Home Insurance policy gives you the option to get extra protection with Appliance Breakdown Insurance or Home Appliance Insurance. This is a type of Equipment Breakdown Coverage for your home that protects you from the cost of repairs for all the devices, appliances, tools, and equipment at your home.

As long as the appliance broke down due to loss of electricity, you will be reimbursed for the damages and repairs.

Coverage for property damages

If an electricity failure leads to major damages to your home, then you can file a claim under power outage reimbursement. Even if you experience power surge damages, surge protection insurance can help you get compensated by covering repair or replacement costs.

Many homeowners benefit from a home insurance power outage plan that includes reimbursement for surge damage and property loss. Power outage compensations are common in regions that often face such incidents, and the insurance provider accommodates these customer requirements. It’s also advised that you invest in Property Insurance.

The importance of Property Insurance can’t be understated, as it will help you cover significant power outage claims that arise from major damages. If you want to know more checkout our dedicated blog. 

Preventive measures:

While your Home Insurance does cover all damages arising from power outages, it’s wise to take the following preventive measures to ensure safety and fewer losses.

  • During storms, unplug all devices and appliances.
  • If you’re not using a device or appliance, then unplug it if possible.
  • Installing surge protectors helps protect your home and all your appliances.
  • Changing the old wiring at your home helps lower the chances of significant damage and fire incidents.

Lights out!

As they always say, precaution is better than cure. So invest in a good Home Insurance plan and follow the steps mentioned above, and you will likely be on top of any power outage incident you may experience.  

Do you still have some questions? Get in touch with us at 855-539-2333 or write to us at info@exceedinsurance.com, and our insurance experts will be more than happy to assist you. Stay insured and stay safe with Exceed Insurance!

Recommended read: Prevent Losses this Winter to Establishments with Simple Tips.

FAQ’s

  1. Does home insurance help with a power outage?
    Yes, home insurance helps you if a power outage causes damage that your policy covers. It may help you by covering spoiled food, electric problems, or repair costs if a power surge caused them. Always check if your insurance plan covers equipment breakdown or surge protection.
  2. Will home insurance pay me for food spoilage after a power outage?
    Insurance may help you if your food spoils during a power cut caused by lightning or heavy rain. Check your plan to see if it already includes this coverage or if you need to add it later.
  3. What is covered by home insurance for power outages?
    You may get support from your insurance if a power cut damages something and it’s covered. Your plan can cover damage to electronics, appliances, and food spoilage caused by a surge. You can get help from insurance after a storm, but make sure your policy includes surge and equipment protection.
  4. What is a power surge, and is it covered by home insurance?
    A surge pushes too much power into your home and can destroy electronics and machines. Many home insurance plans pay for damage from power surges caused by covered problems like storms or lightning. Stay better protected by asking your insurer about coverage for surges and equipment damage.

Published: November 14, 2023

Last updated: July 16, 2025

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