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. 

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

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

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

Playin the insurance game eh? winky winky 

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. 

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.