How Does Having an EV Charger Impact Your Home Insurance?

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First published on August 13, 2025

3 minute read

✎ Updated By Vitalii Starov on September 24, 2026

MyChoice follows a strict content review process designed to ensure reliable and unbiased information.

Adding an EV charger will change your home’s electrical system, which could affect your home insurance depending on where and how it’s installed. There’s no rule that having an EV charger will increase your premium. Review your home insurance and auto insurance, and confirm who covers what. Keep track of any documentation as this may be useful when making a claim.

For this article, our editorial team reviewed the Electrical Safety Authority’s home EV charging guidance, Natural Resources Canada’s charger installation guide, the Condominium Authority of Ontario’s EV charging guide and Ontario’s EV charging overview. They explain what homeowners need to keep on hand, what condo owners should know, and what tenants should confirm before installation.

How Does An EV Charger Affect Your Home Insurance?

Having an EV charger does not necessarily affect your home insurance rates. Whether your home insurance policy covers your charger depends on where it’s located, who owns it, and what caused any damage.

Generally, a permanent charging station may be covered as part of your home’s dwelling or other structures coverage, while a portable charging cord is considered personal property.

Should You Tell Your Insurer About An EV Charger?

Yes, we recommend letting your insurer know about the electrical work before spending any money. This gives you a chance to understand what is covered and allows the insurer to keep an up-to-date record of changes to your property.

Some questions to ask:

  • Would the charger be covered as part of my dwelling, as a separate structure or as equipment?
  • Does my policy say anything specific about a charging cord, such as if it was stolen or damaged?
  • If an upgrade is required, would that affect the amount of dwelling coverage I need?
  • If something happened to my home, EV, and the EVSE, would any of these policies respond?
  • Are there exclusions for faulty workmanship, wear and tear, electrical breakdown, product defects, equipment left outdoors, flood, etc.?
  • What documentation would they need to verify the addition, such as a receipt, ESA Certificate of Acceptance, photographs, or installation bill?

How To Install An EV Charger Safely And Keep The Records

Have a licensed electrical contractor perform the installation. They can evaluate your charger rating, existing electrical service, and electrical panel to determine whether you have enough circuits and power to accommodate a charger. Keep in mind, some installations may require an electrical service upgrade or a load-management device. Level 2 chargers operate at 240 volts so they may require a dedicated electrical circuit. Ensure that all components are rated and certified for use in Canada. Consider the environment of the charging location, including the need for weatherproof installations for outdoor locations.

In Ontario, the Licensed Electrical Contractor must file a Notification of Work with the Electrical Safety Authority before starting the installation. Ask for a copy of the Certificate of Acceptance once the work is complete.

If you do not exclusively own the parking space and/or wiring or if it is a common element, get written consent from your condo corporation or landlord before commencing an installation.

Keep copies of the quote and other documentation from the Licensed Electrical Contractor, including any electrical service calculations, product specifications, invoices, permits, inspection certificates, photographs, and warranty cards. Keep your Property Insurer’s confirmation of coverage in writing.

Read More: See When Home Insurers May Require an Inspection

What Happens If Your EV Charger Starts A Fire?

If a charger-related fire occurs, the owner should make a loss report as soon as practicable and take reasonable, safe measures to reduce the damage. The charger, cable, circuit breaker, and other burnt items are important evidence of the incident, so do not discard them without the permission of the insurer or the relevant authority.

Coverage for fire-related losses depends on the cause investigation and the policy wording. Home and personal-item fire losses may be covered under the home insurer. Other losses, including the damaged charger, faulty component, improper installation, EVs, third parties and their properties, depend on the policy terms and conditions.

Report EV damage to the auto insurer. Home and auto insurers may coordinate to determine coverage and liability.

Read More: Read About EV Garage-Fire Risks and Insurance Coverage

What’s Covered And What’s Not

Loss or questionPolicy that may be relevantWhat decides the answer
Fire damages
the house
Home policyYour policy spells out
what’s covered,
exclusions, monetary
limits for claims, and
your deductible.
Details about your
installation may be
incorporated into your
policy as well.
A fixed charger
is damaged
Home policy may
classify it as
installed property
Coverage is based on
definitions within the
policy, the cause of
loss and whether a
unit is attached to
your primary dwelling
or another structure.
A portable cord set
is stolen
Home or auto policy
may be considered
Coverage is based upon
whether you own the
item, where it is
located, the policy’s
definitions, theft
coverage, if
applicable, and your
deductible.
The EV is damaged
while charging
Auto policy may be
relevant for the vehicle
Coverage depends on
your policy, the cause
of the damage,
exclusions, and your
deductible.
A neighbour’s property
is damaged
Personal liability
coverage may be relevant
Coverage depends on
whether you are
legally liable and the
policy’s limits and
exclusions.
The charger simply
fails or wears out
Manufacturer,
installer or
equipment-breakdown
coverage may be
relevant
The warranty and the
cause of the failure
determine coverage.
Wear and tear is
excluded. Some items
may be available as
additional coverage.

What Condo Owners And Tenants Must Check

Assigned parking spaces may be a common element. Walls, electrical rooms, and conduits may also be common elements, so make sure you comply with condo rules before installing any equipment or changing electrical wiring.

The process starts with an application to your condo corporation for permission to install a vehicle charger in the parking space assigned to your unit. Ontario’s condominium regulations set the process. Your application should be submitted in writing and must include technical specifications or drawings. Condominium corporations must respond within 60 days. Owners should check the corporation’s by-laws for more details.

Tenants need the landlord’s written permission to install a charger or alter electrical wiring.

If a corporation accepts an owner’s application, the owner and corporation must enter into a written agreement before installation. The agreement may cover charger ownership, electricity responsibility, maintenance, repairs, insurance, installation, and removal. A tenant’s arrangement with a landlord depends on the tenancy agreement and the landlord’s requirements.

With over 7 years in the insurance industry, Matt focuses on home and life insurance, offering sharp analysis and insights on underwriting trends, coverage structures, and how market changes impact consumers.

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