EV 在家充电起火，火险一定赔吗？If an EV Charging at Home Causes a Fire, Will Fire Insurance Definitely Cover It?

 

最近看到电动车充电导致屋子起火的新闻，很多人都会问👇 👉「我有买火险，应该有赔吧？」 答案：不一定 ⚠️ 为什么可能不赔？ 充电器非原厂 / 改装 插座、电线负荷不足 未申报 EV 或 Wallbox 被视为不当使用电力 👉 保险公司会看起火原因 + 是否如实申报 ✅ 什么情况比较稳？ ✔️ 使用认证充电设备 ✔️ 正规电工安装 ✔️ 火险有申报 EV / 充电设备 很多人不知道： EV 相关设备不是自动包含在火险里 💡 小提醒: 火险不是买了就万无一失， 而是买对、申报对 #火险 #EV充电 #电动车保险 #屋主必看 #保险知识分享

Recently, there have been news reports about house fires caused by EV charging. Many people are asking 👇

👉 “I already bought fire insurance, it should be covered, right?”
Answer: Not necessarily.

⚠️ Why might it not be covered?

• Charger is non-original or modified
• Socket or wiring cannot support the electrical load
• EV or wallbox not declared in the policy
• Considered improper use of electricity

👉 Insurance companies will assess the cause of the fire + whether everything was properly declared

✅ When are you more likely to be covered?
✔️ Using certified charging equipment
✔️ Installed by a qualified electrician
✔️ EV / charging equipment declared in your fire insurance

Many people don’t realize: EV-related equipment is NOT automatically included in fire insurance.

💡 Reminder: Fire insurance is not about “just having it” — it’s about having the right coverage and proper declaration.

#FireInsurance #EVCharging #ElectricVehicle #HomeSafety #InsuranceTips

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