Power Surge Protection

Power Surge Protection

Power surges or lightning strikes can cause costly damage to your appliances and electronics. If you are currently participating in Power Surge Protection, you're covered for repairs or replacement of your home's appliances and electronics, up to the maximum of your policy.

Power Surge Protection* covers the repair or replacement of many appliances and electronic equipment including:

  • Central air conditioner
  • Computers
  • TVs
  • Washer
  • Dryer
  • Refrigerator

* This program is underwritten by American Bankers Insurance Company of Florida, an Assurant Solutions company, and is no longer accepting new participants. Refer to your policy for complete details.

To file a claim, please call 1-877-459-5590 to speak with a Power Surge Protection claims agent.
Agents are available Mon. - Fri., 10:00 a.m. - 5:00 p.m. EST.


For a list of frequently asked questions, please click here.



Please read below for a 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 Protection is offered by FPL Energy Services, Inc. (FPLES), a subsidiary of NextEra Energy, Inc. and an affiliate of Florida Power & Light Company (FPL). Power Surge Protection is not offered, administered, or backed by FPL. FPLES telemarketing license #TC2770, 6001 Village Blvd., West Palm Beach, FL 33407.