The short answer
Physical damage to your dwelling from a fallen line is covered under HO-3. The service drop (from pole to weatherhead) and meter base ownership varies by state — sometimes the utility repairs it free, sometimes you're responsible past the point of attachment. Power surge damage to electronics is often sub-limited.
Frequently asked
- Does the utility pay for spoiled food?
- Rarely — most utility tariffs disclaim consequential losses. Home insurance covers spoilage up to $500 on most policies.
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