I am interested in your analysis of the Sudden and Accidental Damage from Artificially Generated Electrical Current peril in the HO-2000 form.  It seems to exclude the only things that would be damaged by the peril, therefore making the peril worthless? For example, a surge damages a refrigerator compressor rendering the appliance a total loss, would we owe anything?

Illinois Subscriber

The artificially generated electrical current peril does provide limited coverage. It excludes the things most susceptible to power surges, such as the electronic components of appliances, equipment, and computers and which, as you note, are the most likely items to be damaged. However the remaining parts of the equipment are covered. Say a power surge sets the stereo system on fire. The electronic components will not be covered since they were destroyed by the power surge, but the outside case, knobs, dials, etc. would be covered due to loss by fire.