My question is regarding an insured with an AAIS policy Form-3 (2.0). A tree fell on the power lines. The insured is claiming it shorted out some of their appliances. Would the exclusion under Coverage C apply of: 17. Sudden and Accidental Damage from Artificially Generated Electrical Currents – – However, "we" do not pay for loss to tubes, transistors, and similar electronic components. There is another area in the policy which states under EXCLUSIONS THAT APPLY TO PROPERTY COVERAGES: h. Power Disruption – "We" do not pay for loss which results from the disruption of power or other utility service, whether or not it is caused by a peril insured against, if the cause of the disruption is not on the "insured premises". "We" do pay for direct loss that is otherwise covered by this policy which occurs on the "insured premises" as a result of the disruption of power.

Pennsylvania Subscriber

You need to remember that Coverage C is named perils. So first you have to identify a named peril for coverage to apply. The only peril that could apply is sudden and accidental damage from artificially generated electrical current, which is electricity from a utility, but that coverage is limited. That peril excludes damage to tubes, transistors and electric components. The shorting out of electric components would be the shorting out of the appliances; if the housing, knobs, and other parts of an appliance were damaged that would be covered; the electronics, however, are not. Electronics are very easily damaged from power surges, and that is not what this peril intends to cover. It covers damages to the housing, knobs, and other components. Therefore, you don't need to look any further in the policy; there is no coverage under the named perils for the damage to the electric components of the damaged appliances.