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If wiring in a relatively modern home is damaged due to sudden events like a fire, a tree falling into the house, or a flood, then homeowners insurance is very likely to cover the cost of replacing the wire.

However, if it’s determined that wiring failed or started the fire because of age, neglect, or not meeting current electrical standards, then insurance won’t be covering any replacement. Also, insurance policies may charge more for particularly old kinds of wiring like aluminum wiring or deny applications altogether. 

Yes, an AFCI (arc fault circuit interrupter) outlet also has line and load terminals, although it uses different technology than a GFCI and offers a different kind of protection. AFCIs monitor for internal arc faults, a type of wiring problem that can start an electrical fire.

The total cost to install a 120V outlet will depend on the type of outlet you choose, labor costs, and any customizations. Standard 120 volt outlets usually cost $3 to $5 each. But say, for example, you customize your 120V outlets with USB ports, you’ll end up paying a bit more at $13 to $22 per outlet. When it’s all said and done, you can expect to pay around $175 for each new 120V outlet and $125 each for replacement.

A faulty light switch can trip a breaker due to circuit overload or a short circuit. A faulty light switch may not always trip a breaker, so don’t use that as your only sign that something’s wrong. Always investigate the cause of a switch that isn’t working properly, feels hot to the touch, or is making unusual noises.