Does Renters Insurance Cover Electrical Surges?

1. 

   37376 POINTS

   view profile
   David G. Pipes, CLU®, RICP®

   Business Development Officer, T.D. McNeil Insurance Services, Fresno, California

   The damages caused by a change in electrical current that is supplied from outside is specifically excluded from most renter’s policies.  If the change in voltage is caused by a covered peril, like fire in the rental unit then coverage might be available.  The key is what causes the power change and is the cause inside or outside the home and whether the cause of the change is a “covered peril.”

   Answered on May 1, 2014

   flag this answer
Did you find these answers helpful?
Yes
No
Go!

Add Your Answer To This Question

You must be logged in to add your answer.