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Does home insurance cover electrical issues?
We had a pretty bad windstorm the other night. The electrical work in my 100 year old house has been working intermittently since. Will my home insurance policy cover the electrical issues?
Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Oh wow—that is certainly an old house! In most cases,
home insurance
will cover electrical issues, especially if the damage was caused by one of the covered perils
listed in your policy’s details, which includes windstorms.However, your home insurance typically covers the electrical issues if the electrical components are outdated and still rely on knob and tube wiring. This wiring is dangerous and prone to issues, so most insurers consider this a lack of maintenance. Additionally, you won’t be covered if the damage resulted from:
- General wear and tear
- Owner neglect
- Old age
To begin the claims process and find out more information, you should contact your insurance company and explain the situation.
Additionally, if your rate increases after your claim settlement, you can use
Jerry
to ensure you’re not overpaying for your home or car insurance
.Once you download Jerry, just answer a handful of questions that will take you roughly 45 seconds to complete and you’ll immediately get car and home insurance quotes for coverage similar to your current plan. Jerry customers save an average of $887 a year on their car insurance.
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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