No Sir. No matter how you try to mitigate the loss, if there is no coverage on your policy dec page, I would not cover it.
On my policy, I have a rider(separate policy) for all the electronic in my house. Due to my new job, I have 5 computers and a 32 inch monitor, they are all on a separate policy that covers loss that includes power spikes.
Froid
And under the provisions of the rider, it wouldnt matter how/where the surge occured, even it didnt originate on your property?