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Does a "HARVEY" Power Failure, NORMALLY cover a broken Fridge, anyone know?

who's talking here?

ShookUpRamen 1
AlphabetSoup 1
Joe Blow 1
TinktheSprite 1
in KW after all these years 1
Emperor of Kingwood 1
KingwoodMyHome 1

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KingwoodMyHome --- 1 years ago -

Does a "normal" homeowners policy, cover
electrical surges, that cause failure
of a Fridge?

if so my friend, needs to file a claim

cannot read in Policy if FRIDGE is a Peril Insured Against...?

Power Failure

Power Failure means the failure of power or
other utility service if the failure takes place
off the residence premises. But if the failure
results in a loss,

from a Peril Insured Against

on the residence premises, we will pay for the
loss caused by that peril. 

AlphabetSoup --- 1 years ago -

There is usually a spoiled food "loss" but I don't think the fridge itself is covered. 

TinktheSprite --- 1 years ago -

What about a Home Warranty? They should repair ut ir replace it. 

Emperor of Kingwood --- 1 years ago -

How are you going to prove the electrical surges caused the refrigerator to fail? 

Joe Blow --- 1 years ago -

Playin the insurance game eh? winky winky 

in KW after all these years --- 1 years ago -

It will cover food lost if over your deductible..not the fridge though..otherwise we would all get new TVs, sterile, appliances every time the power surges around here even with no flood. 

ShookUpRamen --- 1 years ago -

If your deductible is smaller than your refrigerator's cost, then you either have a really nice fridge or you have really expensive insurance...or maybe a really cheap house. 

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