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Electrical Line with Electrical Vehicle Charger Coverage

30 Day Money Back Guarantee

  • Why Choose this Plan

    A faulty 200 amp electrical panel can cost up to $1,248 to replace.*

    Problems with your interior electrical wiring can cause:

    • faulty outlets and wall switches
    • shorts in wiring causing fixtures to stop working or lights to flicker
    • a partial or full home "blackout"

    As a homeowner, you may be responsible for the interior electrical system in your home, and you may need to arrange and pay for any necessary repairs. This illustration shows repairs that are performed on this system and how much licensed and insured electricians would typically charge.

    *National average repair costs within the HomeServe network as of June 2020.

  • What's Covered
    • Faulty wiring to wall light
    • Distribution center (panel or fuse box)
    • Other qualifying repairs to the wiring that carries electricity to points of use in your home
    • Connectors
    • Faulty or damaged electrical outlet
    • Broken light switch
    • Faulty wiring to exhaust fan
    • $500 reimbursement for a covered replacement EV Charger
  • Overview

    If you drive an electric vehicle (EV), you know how important your level 2 charger is to daily life. An EV level 2 charger breakdown or malfunction is a huge inconvenience. You can’t drive to work, the kids to school, or even to the doctor or grocery store. That’s why you want your EV charger and the electrical line that feeds it to be functional 24/7.

    Most basic homeowners insurance doesn’t cover repairs to the interior electrical line and your electrical vehicle (EV) home charger. Be prepared with an affordable repair plan called Electrical Line with Electrical Vehicle Charger Coverage from HomeServe, which includes a $500 reimbursement for a covered replacement EV Charger and unlimited annual coverage for Interior Electric.

  • Benefits
    • Unlimited annual benefit amount
    • EV Charger: 1 service calls ($500 per call)
    • Interior Electric Line: Unlimited service calls (Unlimited per call)
    • 30-day wait period with a money-back guarantee
    • One-year guarantee on all covered repairs

Important coverage information

Eligible

  • An owner of a residential single structure that is not intended to be moved may be eligible for coverage
Additional limitations apply. See more. See less

Not Eligible

  • If your property is used for commercial purposes; you know of any current problems with your system(s) before enrollment; your system(s) is shared with a 3rd party or covered by a homeowners’ association or the like; your electric charger is not installed according to manufacturer specifications or your electric charger is commercial grade or anything other than level 2
Additional limitations apply. See more. See less

Exclusions

  • Damage from accidents, negligence or otherwise caused by you, others or unusual circumstances and the product-specific exclusions below. Interior Electrical Line: Appliances, service entrance conductors; knob and tube wiring, aluminum, or non-standard/non-permanent materials; damage or failure due to disconnection or interruption to the main electrical supply; repair or replacement to any wiring that leaves your home. Additional exclusions apply. Electric Vehicle Charger: Reimbursement for a charger covered by another plan or involved in a recall; or for failure from external factors (e.g., corrosion, warping, bending, animals), improper removal/installation of parts or malwares. Additional exclusions apply.
Additional limitations apply. See more. See less
Eligibility: An owner of a residential single structure that is not intended to be moved may be eligible for coverage. If you own more than one electric vehicle charger, you must designate at enrollment which electric vehicle charger your plan covers, or the plan will cover the first charger for which you make a service call. You are not eligible if your property is used for commercial purposes; you know of any current problems with your system(s) before enrollment; your system(s) is shared with a 3rd party or covered by a homeowners’ association or the like; your electric charger is not installed according to manufacturer specifications or your electric charger is commercial grade or anything other than level 2. In IA, properties with more than 4 dwelling units are not eligible.
Benefit Details: Coverage provides, up to the applicable benefit limits, the following for which you have sole responsibility, that are damaged due to normal wear and tear, not accident or negligence. Interior Electrical Line: Repair or replacement of the broken, failed or hazardous high voltage wiring from the service entrance at the weatherhead or tap underground through the receptacle or fixture box, including fuses, receptacles, connectors, switches and outlets, disconnect boxes and all wiring, breakers and switches contained within them. Electric Vehicle Home Charger: Reimbursement for 1 broken, failed, or hazardous level 2 electrical charging device used for the charging of plug-in electric vehicles, including plug-in hybrid vehicles.
Not covered: Damage from accidents, negligence or otherwise caused by you, others or unusual circumstances and the product-specific exclusions below. Interior Electrical Line: Appliances, service entrance conductors; knob and tube wiring, aluminum, or non-standard/non-permanent materials; damage or failure due to disconnection or interruption to the main electrical supply; repair or replacement to any wiring that leaves your home. Additional exclusions apply. Electric Vehicle Charger: Reimbursement for a charger covered by another plan or involved in a recall; or for failure from external factors (e.g., corrosion, warping, bending, animals), improper removal/installation of parts or malwares. Additional exclusions apply. Disputes resolved by arbitration, without class action or jury trial, unless otherwise stated in your full Terms and Conditions.
Making a Service Call: Your plan starts the day your enrollment is processed. There is an initial 30-day waiting period before you can make a repair service call, giving you 11 months of coverage during the first year. Upon renewal/reactivation (if applicable), there is no waiting period. Must obtain HomeServe’s prior approval of reimbursement before buying a replacement EV charger.
Cancellation: Cancel any time by calling HomeServe. If you cancel within 30 days of your start date, you will get a full refund (less claims paid, where applicable). Cancellations after the first 30 days will result in a pro-rata refund (less claims paid, where applicable).
Renewal: The plan is annual. Unless you cancel, your plan automatically renews annually at the then-current renewal price with your same payment terms.

Frequently asked questions

When can I make a service call?
Your plan starts the day your enrollment is processed. There is an initial 30-day waiting period before you can make a repair service call, giving you 11 months of coverage during the first year. Upon renewal/reactivation (if applicable), there is no waiting period. Must obtain HomeServe’s prior approval of reimbursement before buying a replacement EV charger.
What should I know about Electrical Vehicle Charger Reimbursement?
What's covered: Reimbursement for 1 broken, failed, or hazardous level 2 electrical charging device used for the charging of plug-in electric vehicles, including plug-in hybrid vehicles. Not covered: Reimbursement for a charger covered by another plan or involved in a recall; or for failure from external factors (e.g., corrosion, warping, bending, animals), improper removal/installation of parts or malwares. Additional exclusions apply.
What should I know about Interior Electric Coverage?
What's covered: Repair or replacement of the broken, failed or hazardous high voltage wiring from the service entrance at the weatherhead or tap underground through the receptacle or fixture box, including fuses, receptacles, connectors, switches and outlets, disconnect boxes and all wiring, breakers and switches contained within them, for which you have sole responsibility, that are damaged due to normal wear and tear, not accident or negligence. Not covered: Appliances, service entrance conductors; knob and tube wiring, aluminum, or non-standard/non-permanent materials; damage or failure due to disconnection or interruption to the main electrical supply; repair or replacement to any wiring that leaves your home. Damage from accidents, negligence or otherwise caused by you, others or unusual circumstances. Additional exclusions apply.

HomeServe USA Repair Management Corp. ("HomeServe") with corporate offices located at 7134 Lee Highway, Chattanooga, TN 37421, is an independent company separate from NOVEC Solutions, a wholly-owned affiliate of Northern Virginia Electric Cooperative (NOVEC), and offers this optional service plan as an authorized representative of the service contract provider, , . Your choice of whether to participate in this service plan will not affect the price, availability or terms of service from NOVEC Solutions.

Electrical Line with Electrical Vehicle Charger Coverage for only $7.99/mo.

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