Protect Your Home Appliances with Power Surge Protection

Why worry about power surges? Because they can happen every day and you may not be covered.

About 55 percent of Americans mistakenly believe their homeowners policy covers surges.*


Your Homeowners Policy

Power Surge Protection

Coverage for damages from power surges

Usually no*





Increased premium rate after claim



Cancellation after claim



*The vast majority of renters and homeowners policies exclude sudden loss or damage to electronics from changes in an artificially generated electrical current. (Survey conducted by Trusted Choice agencies, 2007)

Did you know?

Power surges can cause:

  1. Your computer to lose data
  2. Electronics to overheat
  3. Household appliances to malfunction

The cost for repair or replacement is expensive and usually NOT covered by your homeowners insurance. 

Power Surge Protection will:

    • Reimburse you for the cost to repair or replace your covered appliances and electronic equipment due to damage from power surges and lightning strikes
    • Be covered for losses up to your policy maximum


For questions on your existing coverage, please call 1-877-459-5590.

*This program is administered by Assurant Solutions and is no longer accepting new enrollments


    Summary of Power Surge Protection exclusions provided by American Bankers Insurance Company of Florida:

    • Electronic appliances and electronic equipment not operational just prior to the peril causing the loss or not owned by the policy owner
    • Electronic appliances and electronic equipment that cannot be replaced with other like kind and quality
    • Additional costs of onsite service, such as travel charges
    • Loss resulting directly or indirectly from enforcement of any ordinance or law regulating the construction, repair or demolition of a building or other structure
    • Loss caused by, or resulting from, depreciation; insects, vermin, corrosion or rust; physical environment such as dust, dampness, dryness, cold and heat; mysterious disappearance; error or omission in design or system configuration; faulty construction or any original defect in the covered property; war including undeclared or civil war; repair or service including installment of covered property
    • Additional costs incurred as a result of a loss, such as extra expenses, programming, data reconstruction, data recovery or program installation or reconfiguration
    • Costs recoverable under the product warranty or extended warranty


    Power Surge Protection is underwritten by American Bankers Insurance Company of Florida, an Assurant Solutions company, 11222 Quail Roost Drive, Miami, FL 33157-6596.

    Power Surge is offered by FPL Energy Services Inc. (FPLES), a subsidiary of FPL Group Inc. and an affiliate of Florida Power & Light Company (FPL). Power Surge is not offered, administered, or backed by FPL.

    FPLES telemarketing license # TC2270, 6001 Village Blvd, West Palm Beach, FL 33407.