Homeowners insurance often doesn't cover electrical issues arising from outdated wiring, lack of maintenance, or normal wear and tear. Policies typically protect against sudden or accidental damage but an exclude problems due to negligence or aging systems. For instance, if your home's wiring is several decades old and hasn't been updated or adequately maintained then insurers may deny claims or require costly upgrades before offering coverage. Regular inspections and routine professional maintenance are essential to ensure safety and maintain insurance validity. Always review your policy details to understand specific exclusions and consider necessary electrical system updates to prevent potential hazards. There is more information in our article: Will homeowners insurance cover electrical problems.
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