Electrical issues are one of the leading causes of home damage, and faulty wiring can pose serious risks for homeowners. If you live in Boerne, TX, it’s important to understand how outdated or damaged wiring can affect your home insurance coverage. At Trevino Insurance Services, we want to help you stay informed and protected.
Does Home Insurance Cover Electrical Damage?
Home insurance typically covers electrical damage caused by sudden and accidental events, such as fires sparked by faulty wiring. However, if the damage is due to negligence or lack of maintenance, your claim may be denied. For example, if your home in Boerne, TX has outdated wiring that hasn’t been inspected in years, your insurer may view this as a preventable issue.
How Faulty Wiring Can Increase Risks
Faulty wiring doesn’t just increase the risk of electrical fires—it can also lead to power surges, damaged appliances, and even electrocution hazards. These risks can impact your home insurance premiums, as insurers may view homes with outdated electrical systems as higher-risk properties. At Trevino Insurance Services, we recommend regular inspections to ensure your wiring is up to code.
Tips for Boerne Homeowners
- Schedule regular electrical inspections to identify and fix potential issues.
- Upgrade outdated wiring, especially if your home is older or has aluminum wiring.
- Install surge protectors to safeguard your appliances and electronics.
By taking these steps, you can reduce risks and ensure your home insurance policy provides the coverage you need. At Trevino Insurance Services, we’re here to help Boerne, TX homeowners find policies that fit their needs. Visit Trevino Insurance Services today to learn more about your options.
