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	<title>New answer on: Does My Homeowners Insurance Cover Electrical Burnt Fuse?</title>

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		<title>By: David W. Clausen</title>

		<link>https://insurancelibrary.com/home-insurance/homeowners-insurance-cover-electrical-burnt-fuse</link>

		<dc:creator>David W. Clausen</dc:creator>

		<pubDate>Wed, 29 Mar 2017 15:09:56 +0000</pubDate>

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		<description><![CDATA[Good Question.  We would likely need to get some more information from you and a copy of your policy to 100% determine the answer however I can give you the basics and you can make your own determination.  Insurance coverage is based on &quot;proximate cause&quot;.  What caused your sump pump to fail?  If it was mechanical breakdown, you should check your policy for mechanical breakdown endorsement.  If it was caused by a breach in your underground utility line supplying power to the home, that is a different story.  The long and short is that in order for coverage to be activated it must be a covered peril on the policy.  If wind blows a tree onto your roof and the roof sets fire because it hit the chimney then the proximate cause is &quot;wind&quot; and not &quot;fire&quot;.  Whatever caused your sump pump to fail would be the proximate cause.  Having said all of that, most fuses are not that expensive to replace and I would suggest you fix that issue on your own however if the burnt fuse caused by the sump pump caused pipes to freeze in the home, then that is a claim that I would submit to the insurance company.  Hope this answer helps.]]></description>

		

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