Does Home Insurance Cover Electrical Fires?

  1. 1370 POINTS
    Jack Heller
    Owner, Insurance Browser,
    Generally speaking yes. There can be issues around what happens next following a loss which might include having to rewire the home.For that situation it is best to carry a substantial amount of Law and Ordinance Coverage. This is typically sold in a per cent of the dwelling coverage. If you have a kitchen fire and the outcome is that when you rebuild you need to get a new electrical panel in another part of the house ( not consumed in the fire) then you may be able to use your Law and Ordinance coverage for that expense. Keep in mind you policy may have no Law and Ordinance coverage or any per cent between zero and 100 %.
    Answered on December 23, 2013
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  2. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    It is always a good idea to have a conversation with your Insurance Professional about the specific terms and conditions of your policy, but damage caused by fire is generally a covered peril in a standard Homeowners' policy. If the source of the fire is a defect or flaw in your electrical system that needs attention, this is perhaps due to the age of the system. Talk to your agent to make sure that you have coverage to upgrade your systems BEFORE such a loss occurs. Not only might that provide better coverage should you suffer such a loss, but system upgrades may also result in an additional discount saving you money on your Homeowners' premium.
    Answered on October 1, 2014
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