Exterior Electrical

Power up your protection against outdoor wiring breakdowns.

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    Necessary corrections to a damaged weatherhead

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    Repair or replacement of the insulator

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    Repair or replacement of the meter base

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    Repair or replacement of the riser

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    Correcting a damaged service entrance conductor

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    Corrections to faulty wiring

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    And More!


Per Month


Service Calls


Annual Coverage


SMUSA will arrange and pay for the repair or replacement of an overhead or underground exterior electrical line (“Exterior Electrical System”) for which You have sole responsibility and that supports Your Residence. The issue must be due to normal wear and tear of the following components: weather head, insulator, riser, meter base, and service entrance conductor, from Your utility’s responsibility to the external wall of Your Residence. You must call SMUSA to arrange for service in order for repairs to be covered. See “How to Call for Repairs”. Any component of Your Exterior Electrical System not specifically listed as covered will not be covered. The maximum benefit limit is up to $2,000 in cumulative coverage per Term.


We will not be responsible for any of the following:

  1. Any Service Calls made during the thirty (30) day Waiting Period;
  2. Damages, losses and expenses, whether from negligence or otherwise, caused by: (a) You or any person or entity other than Us or (b) unusual circumstances, including a natural disaster, or an act of God;
  3. Consequential, incidental, or punitive damages arising from conducting repair work or as a result of the covered repair such as damages necessary to reasonably access the repair area;
  4. Any correction or upgrade of Your existing Exterior Electrical System, not directly related to the necessary covered repair, in order to meet any code, law, regulation or ordinance;
  5. Repairs to any section of Your Exterior Electrical System that You share with any third party or is covered by a homeowners’, condominium or like association;
  6. Repairs to damage arising from the disconnection or interruption to the main electrical supply; transformers; repair of low voltage wiring (below 100 Volts); generators; non-utility supplied power and/or lines, including, but not limited to, windmills, solar, and generators.