Does Home Insurance Cover Electrical Wiring?

  1. 7647 POINTS
    Mark Bartlett CLCS
    Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
    If your electrical wiring is just old, deteriorating and or wore out then no, homeowners insurance does  not cover electrical wiring. However if the wiring, arcs or causes a house fire then yes, homeowners insurance does cover the damage to the dwelling caused by the electrical wiring. I will call your local agent to discuss the specifics of your question or re-post with more detail as to what you are looking for.
    Answered on May 12, 2013
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  2. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    Electrical wiring would only be covered if it is damaged by a covered peril.  Homeowners insurance does not pay to replace out dated wiring or renovation of wiring.  Homeowners insurance is not designed as a maintenance policy.  It is designed to protect you from unforeseeable events such as fire, wind damage, lightning strikes and similar perils.
    Answered on July 20, 2013
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