Help protect against the high cost of covered repairs for electronics and appliances damaged by power surges.
What products does FirstEnergy Home Electrical Surge Coverage include?
- Game consoles
- Clothes washers
- Clothes dryers
- Window air conditioning units
- Smart devices
- Printers and scanners
- And more!
Internal Power Surges
More than half of household power surges are internal. These happen dozens of times a day, usually when devices with motors start up or shut off, diverting electricity to and from other appliances. Refrigerators and air conditioners are the biggest culprits, but smaller devices like hair dryers and power tools can also cause problems.**
84% of homeowners feel power strips provide adequate protection for computers, HD TVs and other electronic components. Only 20% of these same homeowners understand that these strips degrade over time, rendering them inadequate for surge protection.***
External Power Surges
Over 20 million cloud-to-ground lightning strikes occur every year in the United States.****
In 2019, more than $900 million in lightning claims were paid out to policyholders under their homeowners insurance. The average cost per claim was $11,971.*****
FirstEnergy Home Electrical Surge Coverage is an affordable way to help make sure you're covered from the unexpected costs of damage caused by power surges. Electrical Surge Coverage will provide reimbursement for the repair or replacement of electronics and appliances valued at $100 or more that fail due to a covered electrical surge.
An electrical surge is an unexpected and uncontrolled spike in voltage on an electrical circuit. In a typical home, these events can be caused by natural or man-made events including lightning strikes and power coming back on after an outage. These surges can damage unprotected devices instantly or over time.
An electrical surge can damage computers, smart devices, televisions and appliances that are common in today’s homes.
An electrical surge can be caused by natural or man-made events. A natural event can include lightning hitting a power, phone, or cable line, or even trees or animals encountering power lines. A man-made event can include a vehicle accident involving utility equipment. Other sources include the cycling on and off of large motors or compressors in refrigerators, air conditioners and other equipment, poor grounding and improper or faulty wiring.
Surges typically enter your home through electric, cable and telephone utility lines. However other lines – such as electronic dog fences, irrigation systems, yard light circuits, well pump feeds or low voltage lighting systems – can also be an entry point.
Your home is using electronics, systems, and appliances that contain extremely sensitive microchips, microprocessors and circuitry. Electrical surges accelerate wear and tear, increasing repair frequency, repair costs and product failure.
Insurance coverage for losses resulting from power surges will depend on your policy and how the power surge was caused. If covered, your deductible can often be as much as the repair or replacement cost.
Plug-in surge protectors can lose effectiveness over time, and outfitting every electronic device in your home with a high-quality, up-to-date protector can be costly.
1. Call 1-855-330-6672 or email us within twenty (20) days of an Electrical Surge event to provide notice.
2. A claim form will be mailed to you and must be completed in full and returned with a copy of a qualified service technician’s invoice within thirty (30) days.
3. We will investigate the claim, evaluate the damage, review estimates and finalize your claim.
For additional information on filing a claim, see the FE Home Electrical Surge Program Terms and Conditions
Electrical Surge Protection covers up to $125 in diagnostic fees charged by the qualified service technician on covered claims.
Pricing does not include applicable taxes.
- *Electrical Surge Coverage for $4.49 per month for the first six months. After six months, the monthly cost will reflect the then current monthly rate (currently $8.99 per month)
- **NEMA Surge Protection Institute
- ***2014 Harris Poll
- **** NOAA National Severe Storms Laboratory
- *****Insurance Information Institute