The short answer
Lightning-caused surge is a named peril and covered under contents (Coverage C), subject to electronics sub-limits. Non-lightning surge (grid fault, transformer failure) is often excluded unless you carry an equipment breakdown endorsement — a $30–$60/year add-on that also covers HVAC, appliances, and pool equipment.
Frequently asked
- How do I prove it was a surge?
- Licensed electrician report, utility outage record, or multiple devices failing simultaneously.
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