Electrical Coverage


We cover the interior electrical system that supplies power to your home.


The interior wiring includes wiring that delivers power to electrical outlets, permanent light fixtures and switches, appliances, or sub-panels in the home.
The main panel contains the circuit breakers that deliver electricity to different areas of your home.
Sub-panels contain additional circuit breakers that deliver power to large appliances like the HVAC system.
Circuit breakers stop the flow of electricity when the current gets too high. This protects appliances in the home against electrical damage.

Not Covered

Most homes these days have GCFI outlets or breakers, which in large part prevents circuit overloads, but when breakers are double-tapped, it overloads the breaker, creating a dangerous situation.
Wires that are damaged by being broken or severed are the responsibility of whomever damaged them, usually a contractor who, if licensed, has insurance to cover those costs.
We’re here if your electrical system fails through normal use, not due to weather or accidents. Power outages can damage electrical systems, and if that’s the case please contact your local electrical utility or homeowner’s insurance.
A junction box refers to the metal box itself. If it rusts or gets damaged, it’s a cheap and easy fix.
Damage caused by low voltage events probably falls under your homeowner’s insurance coverage. We’re here if your electrical system fails through normal use, not due to weather or accidents.
Face plates, switches, and fixtures are all inexpensive and easy to change yourself. Besides, most homeowner’s would rather choose the look of their face plates and fixtures rather than accept whatever an electrician has with them.
This includes wiring for smart home products and audio, video, computer, intercom, alarm, or security wiring. Our electrical coverage is for the system that supplies power to your home, not for A/V and internet cables, which do not require a licensed electrician to service or repair.
Adding to or upgrading your system to meet increased needs or to meet code requirements is the homeowner’s responsibility. We’re here if your system experiences a failure.
Troubleshooting or exploratory efforts are not part of the repair process, so things like wire tracing will not be covered. The repair itself, however, will be covered.
Aluminum wiring is no longer installed in homes because it presents a fire hazard. In most cases, aluminum wiring is not up to code and must be replaced if repairs are performed.

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