markngolf wrote:
Yes, the special computer/device does cover all that. BTW:In 2012, during the week of Sandy, we moved from a rented condo to our newly purchased one.
We had a Liberty Mutual Home Owners policy ($500 deductible). My motherboard and ram were blown due to a power surge associated with Sandy. I had my PC rebulit/repaired. The bill was $1300+. I had a check in my hand for $800+ three days after submitting the claim.
Mark
Homeowners does cover things damaged due to a storm. The OP said he just pulled his camera out and it was dead. I do not believe your camera would have been repaired under those circumstances. It is not a service contract. If it were, then for $125 per year they would be offering the equivalent to a lifetime warranty.