Does Home Insurance Cover Electrical Fires? 
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 -LRB- not consumed in the fire -RRB- 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 % . 