Does Home Insurance Cover Power Surges? 
Homeowner 's policies vary a lot and the only way to know for sure is to file a claim . Having said that it probably depends on what caused the power surge . If it was caused by something accidental and sudden like a lightning or a short circuit IN YOUR PROPERTY then you are probably covered , if it was caused by something outside of your property such as a problem at the electric station , then you are probably not covered under your homeowner 's . 