Does Home Insurance Cover Electrical Fires? 
It is always a good idea to have a conversation with your Insurance Professional about the specific terms and conditions of your policy , but damage caused by fire is generally a covered peril in a standard Homeowners ' policy . If the source of the fire is a defect or flaw in your electrical system that needs attention , this is perhaps due to the age of the system . Talk to your agent to make sure that you have coverage to upgrade your systems BEFORE such a loss occurs . Not only might that provide better coverage should you suffer such a loss , but system upgrades may also result in an additional discount saving you money on your Homeowners ' premium . 