Does Homeowners Insurance Cover Power Surge Damage? 
In Connecticut , most Homeowners Insurance policies do cover damage caused by power surge that is itself caused by a covered peril . One good example is damage caused by a lightening strike . Another example can be experienced in the type of winter we had here or as a result of severe tropical storms suffered by many in the past couple of years . If weather of that kind knocks out power for an extended period of time , once restored , if there is surge damage , check with your Insurance Professional to see about coverage . 