Is my EV charger covered?

Short answer: None of the four home warranty contracts listed below (American Home Shield, First American, Choice, Cinch) names an EV charger, and each says items not listed aren't covered. So a home warranty probably won't pay to fix the charger itself. The house wiring and panel usually are. A standard HO-3 homeowners policy can cover a hardwired charger as part of the house for sudden damage such as fire, but not for wear and tear or mechanical breakdown. Your own contract decides.

Last updated: Oct 25, 2026

This is a plain reading of sample contracts, not legal or insurance advice. Your contract, your state and any endorsements can differ. Read your own Plan Summary or Declarations page, or ask the company in writing. We have no affiliate relationship with any company listed here.

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Your coverage

Side by side

Plan / policy	What it means for a charger	Contract language (warranty quotes verbatim; HO-3 paraphrased)	Source
American Home Shield (sample Plan Agreement, July 2024) Home warranty	Charger unit: not listed, so not covered. House wiring and panel: covered, but not a panel that only feeds things outside the house.	"unless an item, system, or unit (including parts and components) of a Covered Item is specified in the Plan Summary as covered, and as further described in this Plan Agreement, it is not covered." Covered: "Hard wired electrical lines, wiring, breaker box, and electrical panels that provide electrical power to the Covered Home." Not covered: "(vi) Electrical panel boxes that solely provide electrical power to items or structures located outside the main foundation of the Covered Home."	Contract (read Oct 25, 2026)
First American Home Warranty (sample contract) Home warranty	Charger unit: not listed, so not covered. Wiring, panels, sub panels and breakers: covered, but "inadequate wiring capacity" and "power surges" are excluded, and items must be inside the foundation or garage.	"This Contract covers only the Items expressly identified in this Contract and excludes all others." "To be covered, Items must be installed for diagnosis and located within the confines of the perimeter of the foundation of the primary living quarters or garage" Covered electrical items: "Plugs … Wiring … Conduit … Junction boxes … Panels and sub panels … Switches and fuses … Circuit breakers (including ground fault)" Not covered: "INADEQUATE WIRING CAPACITY, SENSOR, RELAY, LOW VOLTAGE SYSTEMS, POWER SURGES, TIMED CIRCUITS"	Contract (read Oct 25, 2026)
Choice Home Warranty (online Homeowners User Agreement) Home warranty	Charger unit: not a Covered Item. Electrical system covers panels, outlets and wiring "from the electrical panel to any Covered Item"; the charger is not a Covered Item, so its dedicated circuit may not qualify. Circuit overload is excluded.	"12. ELECTRICAL SYSTEM – COVERED: Electrical panels, light switches, electric outlets, (D.C.) wiring, light fixtures, and wiring from the electrical panel to any Covered Item. EXCLUDED: Circuit overload. Face plates. All components and wiring to or from a solar power system, generator, or an energy management system."	Contract (read Oct 25, 2026)
Cinch Home Services (Complete Home sample agreement, CINCHP3V2 01/24) Home warranty	Charger unit: not named. Electrical covers "all components and parts" except listed items, but only items on your Coverage Summary page are covered, and circuit overload and inadequate wiring capacity are excluded. This is the January 2024 sample linked from Cinch's own plan page; your state's version may differ.	"This Agreement provides coverage only for those Items specifically listed as being covered on your Agreement Coverage Summary Page." Electrical, covered: "All components and parts including Direct Current (D.C.) wiring, lighting fixtures, and built-in exhaust/vent/attic fans, except those shown in the Not Covered section." Not covered includes "circuit overload; or overload protection, face plates and Wi-Fi transmitter." General exclusion: "conditions of inadequate wiring capacity, circuit overload, power failure and/or surge."	Contract (read Oct 25, 2026)
Homeowners insurance: ISO HO 00 03 05 11 (Homeowners 3 – Special Form) Homeowners policy (standard form; your insurer may use endorsements or its own form)	A hardwired charger is usually part of the dwelling (Coverage A) for sudden damage such as fire, but wear and tear and mechanical breakdown are excluded. A portable plug-in charger is personal property (Coverage C), where the electrical-current peril excludes electronic circuitry. A charger on a detached garage falls under Coverage B. The car itself is not covered.	Coverage A (our summary): the house on the insured premises, plus structures attached to it. Coverage B (our summary): other structures on the premises that are separated from the house by clear space; a structure linked only by a fence or utility line still counts as separate. Excluded causes (our summary): the form does not pay for "wear and tear" or "mechanical breakdown", or for property that damages itself through a defect. Coverage C (personal property, e.g. a portable charger; our summary): sudden damage from artificially generated electrical current is a named peril, but the form carves out electronic components and circuitry inside appliances and electronics. Property not covered (our summary): the form excludes "motor vehicles", including their equipment and parts.	Contract (read Oct 25, 2026)

Only contracts we could fetch and read in full are listed. All accessed Oct 25, 2026. The HO-3 copy is the ISO form as filed with the Nevada Division of Insurance; ISO HO 00 03 05 11 is copyright Insurance Services Office, Inc.; we summarize it in our own words and quote only a few words, so read the linked form for the exact wording. The Cinch sample is the January 2024 Complete Home agreement linked from Cinch's plan page (protect.cinchhomeservices.com).

What to do

Register the charger's manufacturer warranty; that is what covers the unit itself.
Keep the permit and final inspection record (see the install record). Unpermitted work can complicate claims.
Ask your insurer whether a detached-garage charger falls under Coverage B, and ask about any equipment-breakdown endorsement.
Planning an install? See install cost by city.

Does a home warranty cover an EV charger?

None of the four sample contracts we read (American Home Shield, First American, Choice, Cinch) lists an EV charger as a covered item, and each says unlisted items are not covered. Wiring and panels are generally covered, with exclusions.

Does homeowners insurance cover an EV charger?

Under the ISO HO-3 form, a charger attached to the house is part of the dwelling and is covered for sudden losses like fire, but wear and tear and mechanical breakdown are excluded.

Is the car covered by homeowners insurance?

No. The HO-3 form excludes motor vehicles, including their equipment and parts. That is auto insurance.

Who covers a charger that just stops working?

Usually the charger maker's warranty, not a home warranty or homeowners policy.

Last updated: Oct 25, 2026.