Does Home Insurance Cover an Electric Vehicle (EV) Charger?

More Canadians are purchasing electric vehicles (EVs) to take advantage of fuel savings and to reduce their carbon footprint. At TD Insurance, EVs also benefit from insurance discounts. With many car manufacturers offering electric or hybrid vehicle options, these eco-friendly cars are more accessible than ever. But how does your insurance work when it comes to the charging stations and charging cables that go hand-in-hand with EVs?

Below we discuss the different types of EV chargers and how your insurance may provide coverage if your car, home, or property is damaged by an EV charger or charging cable. 

Types of EV Chargers

There are three basic types of EV chargers, categorized by how quickly they're able to charge a vehicle.

  • Level 1 chargers are typically included with the purchase of an electric vehicle. These chargers use a standard 120-volt outlet and offer the slowest charging rate – around 8km of range per hour charge. While level 1 chargers are convenient for overnight charging, they're not suitable for rapid top-ups.
  • Level 2 chargers work on the same type of voltage as an electric clothes dryer to deliver up to 50km of range per hour charge. These types of EV chargers are found at public charging stations and workplaces – and can be installed at your home too.
  • Level 3 chargers are the fastest EV charging option, capable of fully charging your car in about 30-minutes. These commercial chargers require a special high voltage outlet that is not found in homes. However, level 3 chargers are commonly used at public charging stations as they're ideal for long-distance travel and quick top ups.

In most cases, damage to your home or property caused by your EV charger or charging cable will be covered by your home insurance policy. However, if damage occurs to your vehicle while you're using your level 1 charger away from home, your car insurance may cover the necessary repairs.

How does my insurance work if my home, property, or vehicle is damaged by my EV charger or charging cable?

Let's take a closer look at some common scenario's we've seen with EV chargers and how your insurance may provide coverage.

Damage to your property: Your home insurance will likely cover damage to your property caused by your level 1 or level 2 charger or charging cables – except if the damage resulted from an excluded peril.

Damage to someone else's property: Your home insurance will cover damage to third party property caused by your EV charger or charging cable – like repairs to a shared fence or a neighbour's vehicle that's parked close by – as long as they haven't been intentionally misused.

Stolen level 1 charger: If your removable level 1 charger has been stolen, an actual cash value replacement would typically be covered by your car insurance – provided you have comprehensive, all perils, or specified perils coverage as part of your policy. Login to MyInsurance to review your coverage.

Damage to a level 2 charger installed in your house: Should your non-moveable at-home level 2 charger be damaged, your home insurance will cover its repair or replacement as outlined in your policy. Because exclusions may apply, we recommend that you speak with a TD Insurance advisor to find coverage that fits your needs. Of course, you'll want to have your at-home charger installed by a qualified electrician to ensure the safety of your property and your charging equipment.

Get the insurance coverage you need for your electric vehicle charger.

A TD Insurance advisor can help you get the right coverage for your electric vehicle, EV charger, and charging cables. See how you can save with TD Insurance when you bundle your home and auto insurance.

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The content on this page is for general information purposes only and does not constitute legal advice. Coverages described herein may be subject to additional eligibility criteria, limitations and exclusions. In the event you make a claim, potential indemnification is also subject to the receivability of the claim and the type of coverage you bought.

In the case of conflict between the content on this page and your policy wordings, your policy wordings shall take precedence. Please speak to an Advisor or consult your policy wordings for further details.