5 things you need to know about home generators
I n response to last year ’s winter storms, there has been an exponential upswing in a demand for generators across the state. Were you one of thousands of Texans who considered or purchased a generator to have on hand for the next unexpected disaster? If so, keep reading to learn more about maintenance, coverage, and claims for your new appliance! 1. Make sure your generator is accurately covered in your property policy. Good news! Your generator is most likely already covered by your Germania property policy. How it is covered depends on if you have an installed or portable generator. If your generator is installed, then it is considered part of your home system and is covered under your Coverage A Dwelling coverage. If it is portable, your generator would be included under your Unscheduled Personal Property coverage. 2. Be sure to choose the right fuel for your generator – and have plenty on hand. Generators can be powered by gasoline, diesel, propane, natural gas, or solar energy. Some models allow you to switch between fuel types. It is important to know what type of fuel you need and stock up in the event of a disaster.
generator on a flat surface. It is also strongly recommended to run your generator outside at least 20 feet from your home to ensure proper ventilation and prevent carbon monoxide poisoning. 4. Getting paid for a generator claim all depends on what happened. When filing a claim for your generator, keep in mind that it will be handled on a case-by-case basis. Coverage depends on your policy provisions and the events that caused a loss to your generator. 5. Germania’s new Equipment Breakdown coverage also applies to generators. Our new Equipment Breakdown coverage provides additional protection for common home appliances and equipment – including your backup generator – in the case of an electrical or mechanical breakdown. Beginning March 25, 2022, Equipment Breakdown coverage will automatically be added when your policy renews, so you will have peace of mind that you and your generator are covered! (Please refer to No. 4 for how claims will be handled.) Germania and your Germania authorized agent are reliable and ready to help in every season of the year. Stay warm, Texans!
3. Proper use of your generator will ensure it has a long life span and keep you safe. Always install and run your
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