Which peril is covered under some property insurance policies related to sudden electrical damage?

• A. Lightning Strikes
• B. Artificially Generated Current
• C. Static Electricity
• D. Electrical Surge

Answer: (B)

The correct answer regarding sudden electrical damage covered under certain property insurance policies is artificially generated current. This type of peril pertains specifically to the damage that can be caused by unexpected surges in electrical current, which is distinct from other electrical issues.

Artificially generated current can result from various sources, such as malfunctioning electrical equipment or short circuits, leading to damage to property. Insurance policies often have specific clauses that cover this type of risk, recognizing its potential to cause sudden and significant damage to property.

In contrast, while lightning strikes may be covered in many property insurance policies, they relate to natural phenomena rather than artificially generated electrical issues. Static electricity does not typically cause substantial damage that would warrant coverage under property insurance. Electrical surges, though they may seem similar to artificially generated current, can also depend on the specific wording and conditions in an insurance policy; not every policy covers all forms of electrical surges, making artificially generated current a more precise and commonly recognized peril in this context.