Are Generators Covered by Home Insurance?

Personalized Power Systems

Generator insurance is a valuable addition to any home insurance policy. Not only do they provide peace of mind in the event of an emergency, but they can also help protect your home and belongings in the event of a natural disaster. If you’re not sure if your generator is covered by your home insurance, or if you need to update your policy to include generator coverage, read on for a handy guide.

As the leading generator providers in Boca Raton, FL, we at Personalized Power Systems (PPS) get this question a lot from homeowners who are frequently concerned about hurricane season. In this post, we will outline the different types of generator coverage, explain the benefits of each, and provide a list of questions you should ask your home insurance provider. We will also give you a few tips on how to protect your generator and your home from potential damage. So whether you’re in the middle of a hurricane or just want to be sure your home is protected in the event of an emergency, read on for a comprehensive guide to generator insurance.

Is There Such a Thing as Generator Insurance?

The answer to this question is yes, and it is normally built into the homeowner’s insurance policy. Generator coverage can depend on a variety of factors, including the type of generator, your location, and the exclusions set forth by your home insurance policy.

Some common exclusions that may apply to your home insurance policy include damage caused by weather or natural disasters (such as floods, tornadoes, hurricanes, and snowstorms), damage caused by pests or animals, and damage caused by theft or vandalism. Be sure to check with an insurance agent about all the liability exclusions and limitations to the generator insurance portion of your policy. Here are the possible factors that will determine if your generator is covered:

What Caused the Damage?

The circumstances in which the generator was damaged will drive the coverage of the policy. Basically, the damage has to be a covered liability. If the policy states that it will cover damage that was done during a weather storm, you’ll be in luck when a hurricane destroys your generator.

Poor Quality Generator Installation or Repair is NOT Covered

Some homeowners choose to take installations and repairs into their own hands to save money on labor costs. However, it’s important toyou must know that most insurance policies will not cover damage that resulted from installations and repairs that were not performed by a professional. The savings you originally planned for with your DIY project may end up costing you thousands of dollars should the generator break down. Therefore, leave the generator installations and repairs to the pros.

The Importance of Generator Maintenance

Some insurance policies will also make it a point to ask for records of maintenance inspections from a professional technician. If you have a home insurance policy that also provides generator insurance, it is important to take steps to maintain the generator and keep it in good working order. Regular maintenance and repairs can help to prevent damage to the generator and ensure that it will be covered in the event of a loss.

On that note, make sure you do not delay any repairs and have an electrician service your generator promptly. Read more about the most common signs for generator repair on our blog.

How to Afford A Replacement Without Insurance?

So you’ve had a disaster strike, like the most recent Hurricane Ian, and you found that your generator is beyond repair afterward. What do you do if the insurance policy won’t cover a replacement? Well, this is when you contact Personalized Power Systems to learn about our financing options that fit every budget. Our technicians will be able to set your home up with a new generator and arrange a payment plan that will suit your needs.

Contact Personalized Power Systems for Generator Services!

Are you in need of generator repairs or an installation? Let PPS do the heavy lifting for you. With our professionally certified and trained technicians, your home will be equipped and protected from the next power outage. Contact us today at (561) 349-6835.