Does home insurance cover electrics?

Does home insurance cover electrical wiring?

Standard home insurance policies typically protect against sudden and unforeseen events, often referred to as "insured events." These can include:

• Fire damage 
• Lightning strikes
• Accidental damage (though this may require an additional premium depending on your policy)

However, everyday electrical issues that arise from wear and tear, or gradual deterioration are usually not covered. It's essential to review your policy documents to understand the specific inclusions and exclusions related to your electrical system.

What electrical faults aren’t covered by home insurance?

Every policy is a little different, but most home insurance plans won’t cover:

• Wear and tear
• Neglect or lack of maintenance
• Poor workmanship or faulty wiring

This means that if your electrics give up because they’re old or weren’t installed properly to begin with, you’ll likely have to cover the repair costs yourself.

What are the most common electrical problems?

Homeowners come across a range of electrical problems more often than you might think. Some of the most common issues include:

• Failed wiring
• Circuits tripping
• Overloaded sockets
• Lighting issues
• Breakdowns of fuse boxes
• Broken power sockets or switches
• Faults on electric shower units

Many of these problems crop up simply through everyday use or as systems begin to age. Because they’re usually not caused by a specific insured event, they often fall outside the cover provided by standard home insurance. That’s where electrical cover can really help—stepping in to help when your policy can’t.

What is home electrical cover?

Home electrical cover is a specific type of insurance that’s there to help when something goes wrong with the electrics in your home. Unlike standard home insurance, which might leave you to sort things out yourself, we’ll take care of it for you—by sending a qualified electrician straight to your door. With HomeServe’s electrical cover, you’ll get:

• Access to qualified electricians who will visit your home to diagnose and fix problems
• Coverage for electrics that were compliant at the time of installation, even if they don't meet current regulations

This means that even in older homes, as long as the electrics were correctly installed initially, we’ll assist with repairs.

What’s included in home electrical cover?

Our HomeServe electrical insurance includes cover for:

• Failed wiring
• Breakdown of your fuse box
• Broken power sockets or switches
• Faults on electric shower units

This coverage ensures that you're protected in the event of a wide range of electrical issues, and with an unlimited number of claims!

What’s not included?

While the cover is extensive, certain exclusions apply:

• Household appliances (e.g., washing machines, ovens etc.)
• Faults within your boiler
• Mixer and digital showers

It's important to review the full terms and conditions to understand all exclusions.

How much does HomeServe electrical cover cost?

At HomeServe, we offer various levels of cover to suit different needs:

HomeServe cover type	Cover cost	Excess
Electrics Cover	£3 per month	£30 per claim
Plumbing and Electrics Cover	£4 per month	£30 per claim
Heating, Plumbing, and Electrics Cover	£17 per month	£60 per claim
Heating, Plumbing, and Electrics Plus	£19 per month	£60 per claim

Whether you're looking to just protect your electrics, or electrics and plumbing, we provide individual or bundled options that match what you actually need—no more, no less.

When comparing providers, it's essential to balance monthly premiums against excess fees to find the right fit for your budget and needs.

Will home electrical cover pay for a rewire?

Our electrical cover doesn’t cover full property rewires. However, if a rewire is needed to fix a fault that is covered, like dangerous or faulty wiring, we’ll cover the rewire of that specific circuit to help keep your home safe.

Keep your electrics happy with HomeServe

Electrical problems can catch you off guard—whether it’s a tripped fuse, flickering lights, or something more serious, they’re never convenient and can sometimes be expensive to fix. That’s where our HomeServe Electrical Cover really shines.

With expert help just a phone call away, you can rest easy knowing you won’t be left in the dark. From everyday issues to unexpected breakdowns, we’re here to help keep your home safe, your electrics in top shape, and your stress levels low.