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WebWe cover kitchen appliances such as refrigerators, ovens, ranges, and dishwashers—plus washer, dryers, and more—for failures that your … WebA power surge is a sudden voltage spike that travels through your home's electrical system. Unfortunately, a power surge can quickly damage or destroy electronics and appliances plugged into a wall socket during the surge. In some cases, a power surge can damage outlets and electrical wiring, and even cause a fire. WebAug 6, 2024 · Homeowners insurance will typically cover damage from power surges, but whether it covers loss of food in a refrigerator due to an outage depends on the policy. The type of coverage is usually spelled out in an “insured perils” provision in the policy or contract. Power surges are often included in the definition of electrical breakdown. i m literally the guy in the pic