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Does Homeowners Insurance Cover Electrical Wiring?

By Teri Dormer

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The electrical wiring in your home may seem like an out-of-sight, out-of-mind concern. As long as the lights all turn on and there are no funny smells or smoke coming out of the socket, you’re probably not in any danger, right?

Think again. There are thousands of electrical fires every year all across the country, and your outdated electrical wiring could be more hazardous than you realize

If something goes awry, you might be wondering if your homeowners insurance will step in to cover the cost of electrical wiring and how knob and tube wiring insurance, aluminum wring insurance, and cloth electrical insurance come into the mix. Not sure what these mean to you? Let’s explore. 

Does Homeowners Insurance Cover Electrical Wiring? 

Dwelling coverage in your homeowners insurance policy will cover problems with your electrical wiring, but there are some scenarios where your insurance provider may deny coverage. 

More specifically, the extent of your coverage may depend entirely on how old your home is and which type of wiring you have. Under certain providers, knob and tube wiring insurance and aluminum wiring insurance may require higher rates or may require you to upgrade the wiring in your home before you’ll be eligible for coverage at all.

Does My Homeowners Insurance Cover Electrical Problems? 

Electrical problems to your existing wiring are typically covered by your homeowners insurance policy unless you have two older types of wiring: knob and tube or aluminum wiring. 

Older types of electrical wiring are likely to be faulty, and some insurance providers may require special knob and tube insurance or aluminum wiring insurance to include electrical coverage. Some insurance providers may also deny coverage entirely, forcing you to upgrade your wiring to meet more modern safety standards.

Does House Insurance Cover Electrical Faults? 

Most homeowners insurance policies do not include protection against electrical faults. Electrical faults are defined as abnormal equipment failure, typically involving transformers or generators, that can cause your electric wiring to short circuit or emit faulty currents.

While some insurance companies will completely deny protection against electrical faults, others will offer coverage for electrical faults for an additional cost. 

Will Insurance Cover Knob and Tube Wiring? 

If you have knob and tube wiring in your home, you’ll likely have to have the wiring replaced before an insurance company will offer you coverage on your home. 

Knob and tube wiring was common in homes built between 1850 and 1940, so only older properties will have to worry about knob and tube wiring insurance. Because the cloth and rubber insulation used in knob and tube wiring was known to deteriorate over time, these older electrical systems are much more likely to be involved in fires or malfunctions. 

Aluminum wiring, used between 1960 and 1970, is also an older form of electrical wiring known for overheating and leading to fires. While you may need special aluminum wiring insurance, you should also hire a professional to assess the wiring in your home to determine if it needs to be replaced or repaired.

Other signs you may have faulty wiring issues in homes over 40 years old includes:

  • Constantly flickering lights
  • Frequently blowing fuses
  • Major appliances applying strain to your electrical system
  • Sparks when you plug items into your outlets
  • Sounds of sizzling static coming from your walls

Does Homeowners Insurance Cover Electrical Panel Replacement? 

Like your electrical wiring coverage, your homeowners insurance policy may include replacement of your electrical panel depending on how old your home is and what caused the panel to malfunction in the first place. 

As long as your electrical panel and wiring are all up to code, your homeowners insurance will likely include protection if your panel begins to malfunction or poses a significant risk to your home. 

If you live in an older home, a faulty electric panel can become a serious hazard, potentially triggering a fire inside your home. In most cases, your homeowners insurance will cover the cost of repairing or replacing your panel as long as they meet certain requirements. 

There is typically only one type of electrical panel excluded from coverage, the Federal Pacific Electric Company circuit breaker panel, installed between 1950 and 1960. Because these panels are attributed to higher rates of house fires, many insurance providers won’t offer a policy on homes with these circuit breakers, requiring you to replace the panel before applying for coverage.

Get a Quote Compare multiple policies to get the coverage you need at the price you want.

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