Does my insurance cover power surge damage?

Power surge damage is typically not covered under standard homeowner's insurance policies. Surges from lightning strikes may be covered under lightning coverage, but surges from utility company issues, internal wiring problems, or general power fluctuations are usually excluded. Damage to sensitive electronics like computers, TVs, and appliances from non-lightning surges often requires a separate equipment breakdown endorsement or a home systems warranty. Surge protectors for individual devices and whole-house surge protectors are the best prevention. Check your policy for specific language on electrical surge exclusions.