Lightning and Surge Protection

Unfortunately, there are times in which your home may be struck by lightning or a power surge moves through it. Because you have appliances and other items plugged in that run off of electricity, they could become damaged or completely destroyed.

The way it works is this: Lightning can strike the home anywhere. If it does, then it could cause damage. But there are times in which the lightning strike may enter the home's circuitry. It will then travel through the home until it finds an exit, which tends to be through the breaker box. By the time it reaches that point, the damage has been done to everything along the way.

Power surges tend to occur when a surge of power enters the home and overloads the appliances and other items that are plugged in. This can be very expensive damage that no one wants to have to contend with. Televisions, radios, appliances, and so much more can be destroyed. When that's the case, you want to make a claim to your homeowner's insurance and ensure proper coverage to make the damage less difficult to deal with.

The Exception

There are 12 perils listed on your homeowner's insurance policy. The twelfth is the "exception." What this means is that you can fill that exception space with a peril from a list of secondary perils. These secondary perils can include flood, earthquake, and even power surges. Lightning I usually covered under one of the 12 perils that are already on your policy.

If you don't live in a flood prone area, you may not want to add flood coverage. The same applies to earthquake coverage. Power surges, on the other hand, may have a higher probability of happening. This is especially so if you have experienced power surges before. If you've experienced them before, you know how devastating they can be.

To avoid this devastation, you may want to make this your exception. But if you need another form of coverage as your exception, you can add add-on protection so that you are protected in every way that you need to be.

If there is something else that you need to add as your exception, consider an add-on that covers lightning and surge protection. You may also want to try saving money by adding on the protection that is least expensive and then adding the more expensive as your exception. In some cases, there may not be a price difference at all, depending upon the exception.

Damaged Items

Because of how the circuitry of your home is configured, not every electrical item within your home will be damaged. There is no doubt, however, that the damage would be significant. Since electronic items are the most expensive in your home, one item is going to possess a significant cost.

When you make your claim to the insurance company, you will claim all of the items that were damaged. You will make a list and provide it to the insurance company. The insurer may then require that an adjuster come or you to take the compromised items to a repair shop for repair to see if doing so is possible. If doing so is not possible, the insurance company can then pay for replacement.

You will most likely have to make a claim on your homeowner's insurance in regards to lightning and surge protection at least once. Because of this, you will find that a single claim can save you a lot of money. For example, you may pay $500 or $600 per year for your homeowner's insurance, but replacement of your television alone may cost $900. This makes investing in homeowner's insurance well worth the cost.

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