1609 Central Ave S Suite E, Kent, WA 98032
Monday - Friday 08:00 AM - 05:00 PM
1609 Central Ave S Suite E, Kent, WA 98032
Monday - Friday 08:00 AM - 05:00 PM

Does homeowners insurance cover rewiring in Seattle?


Homeowners insurance typically does not cover the cost of rewiring a home as a standard maintenance or upgrade. Insurance policies generally cover sudden and accidental damage rather than issues arising from normal wear and tear or the need for updates to meet current building codes.

However, there are some situations where homeowners insurance might cover rewiring costs in Seattle:

  1. Damage from a Covered Peril: If your home’s wiring is damaged by a covered peril, such as a fire or water damage, your insurance policy might cover the repair or replacement of the wiring. This would be part of the broader coverage for repairing the damage caused by the peril.
  2. Home Improvement and Upgrades: Some insurance policies may offer limited coverage for upgrades if they are part of a necessary repair from a covered event. For instance, if your home was damaged and rewiring is part of the necessary repair to bring the home back to its previous condition, it might be covered.
  3. Optional Endorsements: Some insurance companies offer optional endorsements or riders that can provide additional coverage for specific upgrades or improvements. If electrical rewiring is a concern, it might be worth checking with your insurance provider to see if such an endorsement is available.

It’s important to review your specific homeowners insurance policy and speak with your insurance agent to understand what is and isn’t covered. Policies can vary significantly, and local regulations or market conditions in Seattle might influence available options.

When searching for a reliable electrician, call us at (253) 508-7529. We specialize in Renovations and room additions, Rewires, Breakers & fuses, Plugs, Receptacles, Switches, Ceiling fans, and New Construction, serving the Greater Seattle Area of Pierce, King, & Snohomish Counties.