Does Home Insurance Cover Power Surges? 
Damage to your home and personal property that is caused by a sudden and unexpected surge of electrical power that is the result of a lightening strike more than likely would be covered by your Homeowners policy . It is always best to talk to your Insurance Professional about the specific terms , conditions and potential limitations of your particular policy in order to best understand it 's provisions . In addition to damage to your home and/or appliances , be sure to ask about loss of food from your freezer and refrigerator if the power loss is extended . Many Homeowners ' policies include some limited coverage for this , usually about $ 500.00 . Naturally any loss settlement would be subject to your policy deductible . 