{"id":148,"date":"2026-03-31T04:00:00","date_gmt":"2026-03-31T10:00:00","guid":{"rendered":"https:\/\/www.ncibinsurancegroup.com\/blog\/?p=148"},"modified":"2026-03-11T12:29:33","modified_gmt":"2026-03-11T18:29:33","slug":"will-auto-insurance-replace-an-ev-charger","status":"publish","type":"post","link":"https:\/\/www.ncibinsurancegroup.com\/blog\/will-auto-insurance-replace-an-ev-charger\/","title":{"rendered":"Will Auto Insurance Replace An EV Charger?"},"content":{"rendered":"

Electric vehicles continue to grow in popularity as more drivers in Chicago, IL, look for ways to reduce their carbon footprint. However, if your EV charger is damaged or stolen, you may suddenly find yourself unable to drive until it is replaced. In some situations, your insurance may help.<\/p>\n

Type of Charger<\/h2>\n

The type of charger you own will determine whether a claim should be filed under your auto insurance or home insurance policy. Portable chargers kept inside your vehicle may be covered under your auto policy. Stationary chargers installed in your garage or other structures are not considered part of the vehicle and are typically covered under a homeowner’s policy.<\/p>\n

Type of Coverage<\/h2>\n

Your level of insurance coverage also plays a major role. Liability insurance covers the other party’s bodily injury or property damage when you are at fault, but it does not cover your own items. Comprehensive insurance may cover belongings inside your vehicle if they are stolen or damaged, depending on your insurer. An agent at NCIB Group Inc. can help you determine whether your auto policy covers items inside your car.<\/p>\n

If you have a charger installed in your garage or another structure, you should also review your home insurance. Some homeowner’s policies require additional coverage for detached structures. At NCIB Group Inc., we offer both auto and home policies, allowing you to address all your needs with one call.<\/p>\n

Rental Car Coverage<\/h2>\n

If your EV charger is damaged or stolen, you may need a temporary vehicle. Many insurance companies offer rental car coverage that helps pay for a rental vehicle if you cannot use your own due to a qualifying event.<\/p>\n

Our agents can review your current coverage to ensure you are protected before anything happens to your EV charger. Contact us today. We proudly serve the Chicago, IL, area.<\/p>\n","protected":false},"excerpt":{"rendered":"

Electric vehicles continue to grow in popularity as more drivers in Chicago, IL, look for ways to reduce their carbon footprint. However, if your EV charger is damaged or stolen, you may suddenly find yourself unable to drive until it is replaced. In some situations, your insurance may help. Type of Charger The type of […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[19,9,10,20,5],"class_list":["post-148","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-auto","tag-chicago","tag-il","tag-insurance","tag-ncib-group-inc"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t