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Question: The AAIS Form 3 Ed 2.0 appears to exclude coverage for damage caused by a power surge, low power or brown out if the (Sudden and Accidental Damage from Artificially Generated Electrical Current) occurs with an off premise (Power Disruption). 

The Power Disruption exclusion along with the preceding broad preface seems to exclude coverage for a surge when the power disruption (regardless of cause) is off the insured premises.

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