Surge Protection

Simple. Affordable. Important.

Stop worrying that a thunderstorm or power outage in your area could damage your home and possessions. A Surge Essentials plan from Direct Energy® delivers coverage for your kitchen appliances, home electronics, and even mobile devices.

Surge Protection Plan

  • Up to $2,000 in surge protection*
  • No annual deductible
  • No service visit charge

To see our full suite of plans, visit Step 2 in our Enrollment Section.

Invest in a shield for your electronics and appliances

Storms, faulty wiring, and other electrical problems can send a surge of energy coursing through your home's electronics at any time. A surge protector can guard individual items, but too many common appliances and electronic devices in your home remain vulnerable, and if a major electrical surge hits your home, replacing these items could be expensive.

When you purchase a home surge protection plan from Direct Energy®, you'll receive a crucial financial safety net that can shield your budget from devices that don't survive the surge.

In fact, our Surge Essentials plan provides up to $2,000 of annual coverage for the repair or replacement of mobile electronic devices, home electronics, and major appliances in case of a damaging power surge.* Coverage is only $4.99 per month, and if disaster strikes, our customer service team is just a phone call away.

*Coverage subject to terms and conditions.
The Direct Energy Essentials Plans ("Plan") are provided by Home Warranty of America, Inc., a Direct Energy company. Direct Energy's affiliates, franchisees, and/or independent contractors will be performing various services under the Plan. Customers must sign up for 1-year commitment (the "Initial Term").There is a 30-day waiting period before coverage begins. Upon expiration of the Initial Term, the Plan will automatically renew at our then current standard rate and terms unless the customer opts out of the auto-renewal option in writing by mail at P.O. Box 500, Lincolnshire, IL 60069 or by email at cancel@hwahomewarranty.com. Sales tax will be added in select states. To obtain a full copy of the Plan terms and conditions, which includes coverage limitations and exclusions, click here.

Frequently Asked Questions

What is an electrical surge?

An electrical surge is an unexpected and uncontrolled spike in voltage on an electrical circuit. In a typical home, these events occur on a regular basis; they can damage unprotected devices instantly or over time.

Why do we need to protect against surges?

A dramatic spike in voltage, such as one caused by a nearby lightning strike or damaged power line, can burn sensitive electronic components in an instant. Everyday surges created within your home's electrical circuit can also harm unprotected electronics; these surges are created every time a large appliance or system like a refrigerator or air conditioner instantly starts or stops demanding power. Over time, these smaller, everyday spikes and sags can cause damage that requires repair – or ruin a device altogether.

What types of household items or systems could use surge protection?

Surge damage is most frequently seen on 1) home electronics: Surges can harm nearly any electrical device in your house. Electronics that are always plugged-in, such as TVs, desktop computers, Blu-Ray/DVD Players, disc players, and gaming systems, 2) charging consoles are vulnerable; so are mobile electronic devices that have to be charged, such as laptop computers, iPods, laptops, smartphones, and tablets such as iPads, and mobile phones, and 3) home: Now that large appliances such as refrigerators, clothes washers, dryers, dishwashers and garage door openers. Dishwashers employ sensitive microprocessors, so they've become more susceptible to damage. As a result, whole house surge protection plans have become more valuable than ever.

What causes electrical surges?

Electrical surges can be caused by natural or man-made events, internal or external to your house. A lightning strike to a power, phone or cable line is one example of such a natural event; a tree coming into contact with a power line is another. Man-made events, such as a vehicle collision with utility equipment, can also cause a surge that travels into your home.

Most electrical surges originate inside your house. These internal sources include the on-off cycling of the motors or compressors in your refrigerator, washer, dryer, air conditioner or other larger machines. When an air conditioner's compressor stops running, for example, a lot of no-longer-needed current has to go somewhere; that surge of excess current can go where it doesn't belong – into a plugged-in device that isn't equipped to handle the extra voltage.

Poor grounding and improper or faulty wiring can also cause damage to unprotected devices.

How do external electrical surges enter my house?

Generally, surges enter your home through electric, cable or telephone utility lines. Private lines such as electronic dog fences, irrigation systems, yard light circuits, well pump feeds or low voltage lighting systems can also serve as entry points.

Why should I be concerned about surges?

Electrical surges have the ability to inflict instant, dramatic damage – overloading, burning out and ruining your electronic devices. Surges can also damage your devices more subtly and slowly – degrading sensitive components with small burns, year after year, until their function is compromised or they fail altogether.

What can I do to protect myself?

High-quality plug-in surge protectors are always a good choice. However, outfitting your whole house with surge protection – either at the utility meter, main electrical panel or on all of your outlets – can be prohibitively expensive. Direct Energy provides a low-cost alternative that relieves you of the financial burdens of installing protection and/or repairing or replacing any electronic devices that have been damaged by surges.

What types of protection does Direct Energy offer?

We protect your finances. Our surge protection plan provides up to $2,000 of annual coverage for the repair or replacement of electronics such as mobile devices, home electronics and appliances. We offer whole house surge protection – for all of your electronic devices – for just $4.99 per month.

Where are our surge protection plans available?

Alabama, Alaska, Arizona, Colorado, Connecticut, Florida, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Texas, Virginia, Washington D.C. and Wyoming.

How do you file a claim?

If you ever have equipment that you suspect is damaged due to a power surge, just call us at (877) 389-0501. We'll send you a claim form. You'll have a licensed repair technician assess the damage, and provide a written repair estimate/invoice. We'll take care of the cost – it's whole house surge protection made easy.

What options do I have to pay for this service?

We accept Visa, MasterCard, and Discover.

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