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Federal Pacific Electric Panel Insurance


For many homeowners, the electrical panel is often overlooked and seen as a mundane part of the house. However, it is an essential component that powers every appliance and electronic device in your home. If your home is equipped with a Federal Pacific Electric (FPE) panel, it is crucial to be aware of the potential hazards and the need for proper insurance coverage.

B&K Electric, a family-owned and operated electrical business in Warwick, RI, has been proudly serving the residents of the greater Providence area for over seventeen years. As a trusted and reliable service provider, we have encountered numerous cases of faulty FPE panels and the resulting insurance complications for homeowners. In this article, we will discuss the importance of having FPE panel insurance and address common concerns from a homeowner’s perspective.

Federal Pacific Electric (FPE) Panels: What are They?

Federal Pacific Electric (FPE) panels were widely used in homes from the 1950s to the 1980s. They were known for their affordability and compact size, making them popular among home builders. However, FPE panels have a troubling history of safety concerns, leading to their eventual discontinuation.

FPE panels have a high rate of electrical malfunctions that can lead to fires and electrical accidents. This is due to the design of the panels, which makes them more prone to overheating and short circuits. The breakers are also known to not trip properly, resulting in an increased risk of electrical fires.

Insurance Complications with FPE Panels

Having an unreliable and malfunctioning electrical panel in your home can lead to potential hazards and safety risks. As a homeowner, it is your responsibility to ensure the safety of your family and property. This is where the need for insurance coverage comes into play.

Unfortunately, many insurance companies have become increasingly aware of the risks associated with FPE panels, and they have started to exclude them from coverage. This means that if you have an FPE panel in your home, it may be difficult to find an insurance provider willing to cover it. This can leave homeowners with limited options and potentially higher insurance premiums.

The Importance of FPE Panel Insurance

As a homeowner, it is crucial to have proper insurance coverage for your home and its components. This is especially true if you have an FPE panel installed. FPE panel insurance can provide you with peace of mind and financial protection in case of any electrical accidents or damages.

With proper insurance coverage, you can avoid or minimize the financial burden of repairs or replacement in case of a faulty FPE panel. This can also help you maintain a good relationship with your insurance provider, as they would not have to worry about potential claims related to an unsafe electrical panel in your home.

How to Obtain FPE Panel Insurance

Obtaining FPE panel insurance can be challenging, but it is not impossible. Some insurance providers may still offer coverage for homes with FPE panels, but at significantly higher premiums. It is essential to do your research and shop around for insurance companies that are willing to cover FPE panels.

Another option is to replace your FPE panel with a newer, safer model. This can not only increase the chances of obtaining insurance coverage but also ensure the safety of your home and family. However, this can be a costly and time-consuming process, as it involves rewiring and obtaining necessary permits.

Many homeowners do not think about their electrical panels until a problem arises. This can leave them vulnerable to potential hazards and insurance complications. As a homeowner, it is vital to stay proactive and informed about the quality and safety of your home’s electrical components.

At B&K Electric, we specialize in electrical repair, panel maintenance, and installation. Our team of experienced and licensed electricians can help assess the safety of your FPE panel and provide necessary maintenance or replacement services. We understand the importance of having proper insurance coverage for your home and its components, and we are here to help you every step of the way.


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