Texas has experienced 31 power outages lasting an average of 740 minutes (12 hours and 20 minutes) so far in 2025. This marks the second-highest number of power outage events and the longest average duration in the country. With frequent and prolonged outages, you may wonder if home insurance covers these situations. Agents at City Centre Insurance Agency LLC have uncovered the answer.
Does Home Insurance Reimburse You After a Power Outage in Houston, TX?
Many people assume their insurance company will compensate them after providing proof of a power outage, but that’s not always the case. Home insurance policies are selective about what they cover. Common coverage includes:
Food Spoilage
Most insurance carriers offer coverage to replace spoiled food caused by a power outage. The average reimbursement is $500, although this amount can vary depending on the policy; however, the cause of the power outage is a factor. Events like high winds, fires, snow, ice storms, and lightning strikes are typically eligible. On the other hand, outages caused by a blown transformer, electrical grid failure, water-related events, utility shutoff notices, or a broken refrigerator are not covered.
Frozen Pipes and Pipe Bursts
Winter power outages can cause water to freeze, expand, and burst inside pipes. Home insurance often covers the cost of repairing or replacing damaged pipes. However, coverage may not apply to aging pipes, vacant homes, or cases of negligence.
Other coverage possibilities include:
- Damaged electronics caused by a lightning strike
- Living arrangement costs if the home becomes uninhabitable
- Storm-related damage that leads to an evacuation order
If your current carrier doesn’t offer adequate coverage, let City Centre Insurance Agency LLC review your policy. Our agents can discuss home insurance coverage during power outages and present matching policies to help you find the best options. You decide whether to add coverage or switch providers, and we’ll support your decision. Contact our Houston, TX office for more information on home insurance.
