Modern homes depend on reliable electricity. From lights and heating to internet access and sump pumps, power keeps everything running. But when an outage strikes, these comforts disappear and your home may even become vulnerable to flooding, security risks, or frozen pipes.
That’s why more homeowners are investing in home generators. A generator for your home provides backup power during storms and outages, helping you stay safe and comfortable. Just as importantly, you will want to understand how your homeowners insurance can protect this investment.
Choosing the Right Home Generator
Before buying a generator, consider your household’s needs:
- Wattage Requirements: Calculate how much power is needed to keep your essential appliances, heating, and electronics running.
- Sensitive Equipment: If you want to power TVs, computers, or security systems, look for inverter generators that provide clean, stable energy.
- Fuel Type: Gas models are affordable and well-suited for smaller needs, while diesel models cost more upfront but are more efficient for larger demands.
Automatic vs. Portable
You will also need to decide between a portable or standby (automatic) generator:
- Portable Generators: Less expensive, but they require manual setup and carry risks like carbon monoxide leaks.
- Automatic Standby Generators: Permanently installed and safer. They switch on within seconds of a power failure and shut off once power is restored, offering peace of mind with no manual effort.
For many homeowners, standby generators are worth the investment for their safety and reliability.
Permits and Installation
In Massachusetts, installing a standby generator usually requires a permit, and you may need to notify your utility company. Professional installers often handle this paperwork, but always confirm with them before moving forward.
How Homeowners Insurance Covers Generators
Once you’ve invested in a generator, it’s important to know how insurance applies:
- Standby Generators: If permanently installed, they are typically covered under the dwelling portion of your homeowners policy when damaged by a covered peril such as fire, theft, or storms.
- Portable Generators: These are usually considered personal property and may be covered with limits.
- What Is Not Covered: Insurance will not cover the cost of running your generator, fuel, or losses caused solely by a power outage.
- Optional Coverage: Some insurers offer endorsements like equipment breakdown coverage for added protection.
Tip: Notify your insurer if you install a standby generator. This ensures proper coverage and, in some cases, may reduce your overall risk profile.
Protecting Your Home Beyond Backup Power
A generator keeps your household running during outages, while homeowners insurance protects your investment from larger risks. Together, they form a smart plan for storm preparedness and peace of mind.