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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. 

To avoid drilling into wire, you will need to trace your home's wiring using a stud finder, wire detector, circuit tracer, or voltage finder. Since locating wires in your home can be difficult for some homeowners, hire a professional electrician with the experience and knowledge needed to safely handle electrical systems before drilling into any walls in your home.

It's recommended that you only use your circuit breaker for your water heater. Tacking on additional appliances, especially large ones like refrigerators, can overload the circuit and lead to electrical fires. Therefore, it's best to have separate circuits for each major appliance, particularly continuous load appliances, which use a lot of energy over prolonged periods of time.

Aluminum wiring can pose a fire risk as it can overheat, expand, and contract, leading to failing splices and loose connections. If your home has aluminum wiring, it requires careful maintenance and potential safety upgrades. The first step is to hire a licensed electrician to conduct a thorough inspection.

A complete replacement with copper wire is the safest option but can be very expensive and is not always necessary. Other safety measures and upgrades include:

• Copper Pigtailing: A more budget-friendly option where a short section of copper wire is added to each end of the aluminum wire. This is only appropriate for certain homes.

• Aluminum-Compatible Outlets: Installing outlets specifically designed for use with aluminum wiring.

• Anti-Oxidant Paste: Applying this paste to connections to prevent oxidation.

Consulting with a qualified electrician is essential to assess the condition of your wiring and determine the most appropriate updates to meet current safety standards.