What does homeowner's insurance typically cover? Does it include electrical line repair and replacement? If not, what types of repairs are covered?
None. Insurance is for sudden & accidental losses - a tree falls on your shed. A pipe bursts in your upstairs bathroom causing loss below. Ice build up causes you facia and soffit along with gutter to come crashing down. Homeowner repairs = None. Maintenance repairs are the part of being a homeowner and not an insurance claim. To upgrade your electric service is on you. To repair a frayed electrical service is one you. Insurance is for sudden and accidental occurrences.