Product-Based Surge Protectors vs. Surge Insurance: Why Physical Protection is a Must
When it comes to protecting your home and valuable electronics from power surges, homeowners are often presented with two options: purchasing surge insurance or investing in a product-based surge protector, such as those installed directly behind the electric meter. While surge insurance offers financial coverage, it pales in comparison to the comprehensive protection provided by physical surge devices. Let’s explore why a product-based surge protector is the better choice for safeguarding your property.
Understanding Power Surges: More Than Just a Spike
Power surges can occur for a variety of reasons, including lightning strikes, downed power lines, or even the operation of high-powered appliances in your home. These surges send excessive voltage through your electrical system, damaging sensitive electronics, appliances, and even your home’s wiring. A single surge can wipe out thousands of dollars worth of equipment in seconds.
Surge insurance may offer financial reimbursement after the fact, but wouldn’t it be better to prevent the damage in the first place?
Why Product-Based Surge Protectors Are Essential
A product-based surge protector, like our surge protection devices installed behind the electric meter, works proactively by stopping the surge at its source before it even enters your home’s electrical system. Here’s why that makes a huge difference:
- Instant Response: Surge protectors respond in milliseconds to prevent excess voltage from reaching your electronics, appliances, and wiring. Insurance can’t prevent damage—it only helps you after the fact.
- Comprehensive Coverage: Our surge protectors safeguard your entire home, major appliances like HVAC systems and refrigerators to smaller electronics like computers and televisions.
- No Deductibles or Delays: Surge insurance may cover the costs of replacement, but you’ll still need to file a claim, pay deductibles, and wait for compensation. A surge protector acts instantly, avoiding this hassle and preventing the need for replacement.
- Peace of Mind: With a product-based surge protector, you don’t have to wonder whether your claim will be approved or worry about downtime. Your home’s electrical system and electronics are always protected.
The Reality of Surge Insurance: A Limited Solution
While surge insurance may seem like a convenient option, it comes with several drawbacks:
- Claim Limits: Insurance policies often have caps on how much they will cover, which may not be enough to replace high-end electronics or appliances.
- Exclusions: Not all policies cover every type of surge. For instance, some may not cover damage caused by lightning, which is a leading cause of power surges.
- Claim Denials: Insurance companies may deny claims based on technicalities, exclusions, or insufficient documentation, leaving you to cover the costs of repairs or replacements.
- Inconvenience: Even with insurance, you’re still facing the inconvenience of replacing damaged items, dealing with repairs, and handling claims. This could take weeks or even months to resolve.
In contrast, a product-based surge protector avoids these pitfalls by eliminating surge damage altogether.
Why Wait for the Worst? Protect Now!
Invest in a surge protector installed directly behind the electric meter or at your panel to safeguard your home’s most essential systems. Check out our selection on our product page and/or call us for a quote.