Does my home insurance cover damage due to electrical faults?

A home insurance may include different types of damage and situations related to the home's electrical system. It is important to carefully read the policy's terms and conditions, since not all insurance policies include the same cover or provide it in the same terms. Below, we explain the most common cover for electrical faults:

• Damage in electrical installations: It coves damage to cables, plugs, switches, electrical panels and other components of the home's electrical installation due to malfunctions or wear.

   

• Damage due to short circuit: If a short circuit damages the electrical systems or electronic equipment inside the home, the policy may cover the cost of the repair or replacement.

   

• Breakdown due to overload or voltage spikes: Damage caused by power surges or voltage fluctuations affecting household appliances or electronic devices is covered.

   

• Damage to household appliances: Home insurance also covers damage to household appliances and electronic equipment (such as televisions, computers, refrigerators, etc.) if the damage is due to an electrical fault.

   

• Repair and/or replacement of household appliances: In some cases, and as stipulated in the policy, the insurance may include the repair or replacement of appliances that have stopped working due to an electrical fault.

   

In DKV Hogar, if the buildings is insured, damage to the electrical equipment, fixed fixtures and lines that form part of the buildings' installations as a result of lightning, short circuit or abnormal electrical current or a power surge will be covered. If the contents are insured, damage to household electrical appliances and accessories that form part of the property insured as contents, caused by lightning, short circuit or abnormal electrical current or a power surge, will be covered. See all the information in DKV Hogar.