## Electric line insurance

How not to buy a brick in a box off the back of a truck.
Pyrrho
Posts: 26060
Joined: Sat Jun 05, 2004 2:17 am
Title: Man in Black
Location: Division 6
Has thanked: 2727 times
Been thanked: 2813 times

### Electric line insurance

So I keep getting these flyers from the electric company urging me to buy insurance to cover the costs of repairs to the weatherhead and stuff the electric company is not responsible for.

Doesn't seem like it covers all that much. The question is whether or not the contractor would have to do more work to bring the service up to code if they had to replace anything between the lines and the breaker box.

This outfit: http://www.homeserveusa.com/

Not quite grokking the fine print about pre-existing conditions...I'm suspicious that I would only be able to make a claim if something actually breaks, as opposed to preventive maintenance.

The flash of light you saw in the sky was not a UFO. Swamp gas from a weather balloon was trapped in a thermal pocket and reflected the light from Venus.

gnome
Posts: 22240
Joined: Tue Jun 29, 2004 12:40 am
Location: New Port Richey, FL
Has thanked: 381 times
Been thanked: 408 times

### Re: Electric line insurance

My power company offers "Inside line wire maintenance" for what is sincerely a nominal fee each month. I am able to get up to $500 worth of repairs to electrical systems (broken or failed outlets, etc) per year. I have already used it twice and found it most handy. The first time they didn't even make it count against the$500 since they worked out the problem to be technically outside my house.

I don't know if your plan is equivalent to that.
"If fighting is sure to result in victory, then you must fight! Sun Tzu said that, and I'd say he knows a little bit more about fighting than you do, pal, because he invented it, and then he perfected it so that no living man could best him in the ring of honor. Then, he used his fight money to buy two of every animal on earth, and then he herded them onto a boat, and then he beat the crap out of every single one. And from that day forward any time a bunch of animals are together in one place it's called a zoo! (Beat) Unless it's a farm!"
--Soldier, TF2

Anaxagoras
Posts: 21963
Joined: Wed Mar 19, 2008 5:45 am
Location: Yokohama/Tokyo, Japan
Has thanked: 1425 times
Been thanked: 1274 times

### Re: Electric line insurance

Can you cancel any time?
A fool thinks himself to be wise, but a wise man knows himself to be a fool.
William Shakespeare

Pyrrho
Posts: 26060
Joined: Sat Jun 05, 2004 2:17 am
Title: Man in Black
Location: Division 6
Has thanked: 2727 times
Been thanked: 2813 times

### Re: Electric line insurance

Anaxagoras wrote:How much are the premiums?

Can you cancel any time?
\$4.99 per month, annual contract, can cancel any time, allegedly, after 30-day waiting period, renews automatically "at the then-current premiums" or something like that.

Local electric company sends out the flyers. Fee would be on my usual electric bill.
The flash of light you saw in the sky was not a UFO. Swamp gas from a weather balloon was trapped in a thermal pocket and reflected the light from Venus.

Anaxagoras
Posts: 21963
Joined: Wed Mar 19, 2008 5:45 am
Location: Yokohama/Tokyo, Japan
Has thanked: 1425 times
Been thanked: 1274 times

### Re: Electric line insurance

My house is about ten years old and so far I haven't had to have any electrical work done.

I guess it depends on stuff like how old your house is and how dodgy you think the wiring might be.
A fool thinks himself to be wise, but a wise man knows himself to be a fool.
William Shakespeare

Rob Lister
Posts: 20014
Joined: Sun Jul 18, 2004 7:15 pm
Title: Incipient toppler
Location: Swimming in Lake Ed
Has thanked: 607 times
Been thanked: 604 times

### Re: Electric line insurance

I think it depends on your home. If your wiring is knob and tube wiring, or cloth covered wiring, there might be a benefit, but they might see that as a preexisting condition.

I wouldn't bother with it, but then again, I can fix almost anything myself.

Oh, right, like you bother fixing anything.
That's not what I said; I said I CAN fix most anything
When was the last time you personally fixed something. Anything at all.
That's not the point.
Well just for fun, when.
Okay, how about that attic fan.
That was more than 20 years ago and you had to call a roofer to repair what you did.
There's been plenty of other stuff.
The last thing you did was hang a picture, and it is crooked. How did you manage to fuck that up? It's one nail, yet the picture can't be straightened!
Again, I don't that that is the issue.

I clicked the link and it really is kind of vague what they cover. For example, that mouse that ate through that wiring, is that covered?

DrMatt
BANNED
Posts: 29811
Joined: Fri Jul 16, 2004 4:00 pm
Location: Location: Location!
Has thanked: 143 times
Been thanked: 70 times

### Re: Electric line insurance

Are you in a mandatory conduit jurisdiction?

Chicago building code requires indoor electric to flow through conduit. This is very expensive during the initial building. When a wire burns or otherwise must be replaced, you use all the wires currently in a conduit to pull a string through the conduit, and use the string to pull new wires in. Most repairs can be done without breaking open and then repairing and repainting your walls, so repairs are less expensive than in other zones. But the theory is that the grounded conduit doubles as a fire-shield for the walls it flows through. I dunno.
Grayman wrote:If masturbation led to homosexuality you'd think by now I'd at least have better fashion sense.