Sudden accidental damage is the covered kind: a lightning strike that kills the panel and appliances, storm damage to the service mast, a vehicle strike, fire damage. Wear, corrosion, obsolete equipment, and capacity upgrades for new loads are the owner's cost everywhere, even when they are wise spending. After a lightning event, document everything electrical that failed in the house on the same day; the pattern across devices is what ties a claim together. Panel upgrades sometimes matter to insurers in the other direction: replacing a known problem panel can be a condition of coverage on older homes, which your agent can confirm.
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