Insurance and Surge Protection: Insurance Companies Could Punish you for not having Surge Protection

Are you using surge protection systems in your home or office? Here at Sunburst Electric, we have written about the importance of these devices many times, and how they could save you a lot of money by keeping your delicate electronics from going up in smoke. With load shedding in full swing, we want to discuss how important surge protection is for your devices, and why you should take a closer look at your plug points as well as your insurance cover.

While your insurance cover may seem comprehensive, have you read through the fine print? Some insurers don’t cover any equipment damage caused by a power surge, while others will only cover items that have a surge protector installed. Even with the appropriate cover, there are a few extra elements that you should consider: The amount of coverage provided might not be enough to replace all damaged or broken equipment.

For example, some insurance companies offer limited cover in the event of a power surge. This cover sometimes only pays up to R5,000 worth of equipment, which doesn’t get very far with the price tags of fancy gadgets. In other cases, the devices will be covered, but only under accidental damages cover and there might be exclusions, depending on your insurance provider.

It can be a pretty tricky situation to navigate, so we recommend that you contact your insurance broker with questions about their surge protection cover, so that you can have the best cover possible. In the event you find that your household insurance provider doesn’t cover damage caused by a power surge, at least you can look around for other options. 

Insurance and surge protection

Load shedding has become a part of our daily routine in South Africa, changing the way we live our lives. When load shedding starts and ends, there is a chance of an electrical surge entering your home, which can damage your appliances and equipment. One solution is to unplug everything before load shedding, then plug devices in again once power has been restored.

Depending on how many devices you have, this can be an annoying ritual to perform every day, made worse by load shedding sometimes happening in the middle of the night or while you are at work. Another option is to have surge protection in place to look after your appliances. A whole-house surge protector installed in your DB board will reduce the amount of damage that a power surge originating outside your house can cause. Many insurance companies require some protection from power surges to be present before they payout for damaged appliances, making this a good two for one deal.

While a whole-house surge protection system sounds expensive, it only needs to save your vintage vinyl player or fancy home entertainment system once before you realise how much money, time, and hassle you just saved.

Contact us today for Expert Electrical Service.

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