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Is Fpl Exterior Electrical Line Coverage Worth It? A Detailed Look

If you’re a Florida homeowner, you may have received offers from FPL for their exterior electrical line coverage.

But is this extra protection really necessary?

If you’re short on time, here’s a quick answer to your question: An FPL Exterior Electrical Line Coverage is most beneficial for those residing in areas that are prone to severe weather conditions with overhead power lines as it provides peace of mind against potential repair costs.

In this comprehensive guide, we’ll examine the pros and cons to help you decide if FPL’s line coverage is worth the extra cost.

We’ll look at what exactly exterior electrical line coverage from FPL includes, analyze the likelihood of repairs being needed, estimate potential repair costs, and compare to alternatives like homeowner’s insurance.

We’ll also include feedback from real FPL customers on their experiences using the coverage.

By the end, you’ll understand what FPL’s exterior electric line coverage entails, what scenarios it protects and doesn’t protect against, whether the peace of mind is worth the monthly fee, and steps to take if you want to enroll in or opt out of the program.

What Does FPL Exterior Electrical Line Coverage Include?

When considering whether FPL Exterior Electrical Line Coverage is worth it, it is important to understand what it actually includes.

This coverage provides homeowners with protection for their exterior electrical lines and the attached equipment. Let’s take a closer look at what this coverage offers:

Repairs for overhead and underground lines:

FPL Exterior Electrical Line Coverage encompasses both overhead and underground electrical lines.

Whether you have power lines running above ground on poles or buried beneath the surface, this coverage will take care of any necessary repairs. From fixing damaged wiring to replacing faulty connectors, FPL has got you covered.

Fixes for weather-related damage:

Florida is no stranger to severe weather conditions, and these can often lead to electrical issues.

FPL Exterior Electrical Line Coverage includes protection against weather-related damage, such as lightning strikes, hurricanes, and strong winds.

If your exterior electrical lines are damaged due to these weather events, FPL will step in to make the necessary repairs and ensure that your power is restored.

Fixes for weather-related damage

Covers attached equipment like meters and mastheads:

It’s not just the electrical lines themselves that are covered by FPL’s Exterior Electrical Line Coverage.

This protection also extends to the attached equipment, such as meters and mastheads.

If any of these components are damaged or malfunctioning, FPL will take care of the repairs or replacements, saving you from hefty out-of-pocket expenses.

How Likely Are Repairs Needed for Exterior Electrical Lines?

When considering whether or not to invest in FPL Exterior Electrical Line Coverage, one important factor to consider is the likelihood of repairs being needed for exterior electrical lines.

Here’s a detailed look at the factors that influence the probability of repairs:

Depends on location and weather risks

The likelihood of repairs needed for exterior electrical lines can vary depending on the location and the risks posed by the weather.

Areas that are prone to severe weather conditions, such as hurricanes, thunderstorms, or heavy snowfall, may have a higher probability of experiencing damage to their electrical lines.

It is important to assess the weather risks in your specific area to determine the likelihood of repairs.

Areas with lots of trees see more damage

Another factor that can influence the probability of repairs needed for exterior electrical lines is the presence of trees in the area.

Areas with a high concentration of trees are more susceptible to damage from falling branches or trees during storms, which can result in damage to electrical lines.

If you live in an area with a dense tree population, it may increase the likelihood of repairs being needed for your exterior electrical lines.

Areas with lots of trees

Underground lines less susceptible than overhead

The nature of the electrical lines themselves can also impact the likelihood of repairs. Underground electrical lines are generally less susceptible to damage compared to overhead lines.

Underground lines are protected from external factors such as weather conditions and falling trees, reducing the likelihood of repairs being needed.

However, it is important to note that repairs for underground lines can be more expensive and time-consuming compared to overhead lines.

Ultimately, the likelihood of repairs needed for exterior electrical lines will depend on a variety of factors, including location, weather risks, and the type of electrical lines being used.

It is advisable to assess these factors and evaluate the potential risks before deciding whether or not to invest in FPL Exterior Electrical Line Coverage.

What Are Potential Exterior Electrical Line Repair Costs?

When it comes to potential exterior electrical line repair costs, it’s important to consider both overhead and underground lines.

The costs can vary depending on the type of repair needed or if a new installation is required.

Here is a breakdown of the potential costs involved:

Overhead Line Repairs:

For overhead line repairs, the costs can range from $125 to over $250.

This includes the cost of labor, materials, and any necessary permits or inspections.

The actual cost will depend on the extent of the damage and the complexity of the repair.

Underground Line Repairs:

Underground line repairs can be more expensive than overhead line repairs, with costs ranging from $175 to over $375.

This is due to the additional labor and equipment required to access and repair underground lines. In some cases, excavation may be necessary, further increasing the cost.

New Overhead Line Installation:

If a new overhead line installation is needed, the cost can be around $1700 and over.

This includes the cost of materials, labor, and any necessary permits or inspections.

The exact cost will depend on the length of the line and any additional requirements for the installation.

New Underground Line Installation:

For a new underground line installation, the cost can be $5,000 or more.

This higher cost is due to the additional labor and materials required for burying the line underground. Excavation and trenching may also be necessary, further adding to the overall cost.

It’s important to note that these are average cost ranges and can vary depending on various factors such as location, complexity of the repair/installation, and the contractor hired.

It’s always recommended to get multiple quotes and consult with a licensed electrician to get an accurate estimate for your specific situation.

Does Homeowner’s Insurance Cover Exterior Electrical Line Repairs?

When it comes to home maintenance and repairs, it’s essential to understand what your homeowner’s insurance covers.

One area that often raises questions is whether exterior electrical line repairs are included in standard policies. Unfortunately, the answer is generally no.

Standard policies don’t include electrical line coverage

Typically, standard homeowner’s insurance policies do not provide coverage for repairs or damages to exterior electrical lines.

These policies typically focus on protecting the structure of your home and your personal belongings from specific perils such as fire, theft, or certain natural disasters.

While this may leave you concerned about potential electrical issues and the costs associated with repairs, it’s important to remember that homeowner’s insurance is not designed to cover every possible eventuality.

It’s crucial to review your policy carefully and understand its limitations to avoid any surprises if you do encounter electrical line problems.

May be optional add-ons available for overhead lines

While standard policies may not cover exterior electrical lines, some insurance companies offer optional add-ons that can provide coverage specifically for overhead electrical lines.

These add-ons can be an excellent investment if you live in an area prone to storms, falling trees, or other risks that could damage the overhead power lines leading to your home.

If you’re interested in this coverage, it’s best to contact your insurance provider directly to inquire about any available add-ons and their associated costs.

They can provide you with detailed information about the coverage options and help you make an informed decision.

Underground lines generally not covered

Unlike overhead lines, homeowner’s insurance policies typically do not cover repairs or damages to underground electrical lines.

Underground lines are generally considered the responsibility of the homeowner, and any necessary repairs or maintenance will need to be handled independently.

It’s important to note that underground electrical line repairs can be costly, so it may be worth considering additional coverage or seeking advice from a licensed electrician to ensure the safety and reliability of your electrical system.

Remember, every insurance policy is different, so it’s essential to review your policy documents carefully and consult with your insurance provider to fully understand what is and isn’t covered regarding exterior electrical line repairs.

FPL Customer Experiences Using Exterior Electrical Line Coverage

Positive feedback from customers who had repairs done

Many FPL customers who have opted for exterior electrical line coverage have reported positive experiences with the service.

They have expressed satisfaction with the ease of filing claims and the promptness of repairs.

Some customers have even shared stories of how the coverage saved them from significant financial burdens by covering the cost of repairs for damage caused by storms or other unforeseen events.

This positive feedback indicates that for those who have experienced issues with their exterior electrical lines, the coverage has been a valuable investment.

Complaints of delays for non-emergency repairs

However, there have been a few complaints from customers regarding delays in getting non-emergency repairs done under the exterior electrical line coverage.

Some customers have expressed frustration over long wait times for repairs that were not considered urgent or immediately hazardous.

While FPL strives to provide timely service, it is important to note that the availability of repair crews and the volume of repair requests can impact response times.

It is recommended that customers communicate clearly with FPL about the urgency of their repair needs to ensure prompt attention.

May depend on quality of local repair crews

The effectiveness of the exterior electrical line coverage may also depend on the quality of the local repair crews.

Some customers have reported mixed experiences, with repairs not being completed to their satisfaction. It is essential to note that FPL works with both its own crews and contracted repair companies, and the quality of work can vary.

To address any concerns, customers are encouraged to provide feedback to FPL and request a follow-up inspection if they are not satisfied with the repairs. This helps ensure that the repair crews maintain high standards and deliver satisfactory results.

repair crew


In summary, FPL’s exterior electrical line coverage provides peace of mind against potential repair costs. It’s most beneficial for homeowners in weather-prone areas with overhead power lines.

Weigh the likelihood of repairs against the monthly premiums to decide if it’s worthwhile for your home.

Check with your insurance provider first to see if add-on line coverage is available. If opting in to FPL’s coverage, be aware of potential delays for non-emergency repairs.

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