So you’ve heard of home insurance, car insurance, life insurance and you may have just heard that worker’s compensation was an insurance option for businesses, but the real question is, did you know that you could get coverage for a blackout?  It’s a real option for your home insurance plan. The point of the coverage is to keep your life as normal as possible, when it’s been turned on its side. Here’s a few things that it can do for you.

Fixing and replacing ruined things

Say that lightning strikes or power surges fry the electronics in your home, your insurance can come give you some help. Depending on your insurance plan, you can get help repairing or replacing these expensive pieces of equipment.

During winter time, a power outage can cause your pipes to freeze and burst. The ruined pipes are often expensive and difficult to fix. Either you don’t have the money to pay someone else to do it, or lack the experience and time to fix it yourself. In these cases you can count on your black out insurance to help you pay for the repairs necessary to get you back on your feet.

When a blackout happens, the first thing to go is always the food in the fridge. Often times you have over a hundred dollars in groceries in your fridge at a time. That’s over a hundred dollars of wasted money if your power doesn’t turn on soon. Insurance will help you replace all the damaged food.

Board you up

Should the lights go out because your house went up in flames, they will cover the cost of a hotel room while you are temporarily relocated from the house fire. Note, the part helps you when your house becomes unlivable, not when just the lights go out and you’re left without AC or a heater.

Like the light of Eärendil, your insurance company will be a light to you in dark places, when all other lights go out. They can be there to aide you when it seems like the rest of the world has left you out in the cold.