Per CA 4745:
https://www.davis-stirling.com/Main-Ind ... -Code-4745
(4) A homeowner shall not be required to maintain a homeowner liability coverage policy for an existing National Electrical Manufacturers Association standard alternating current power plug.
I've interpreted that as meaning that you are not required to have an insurance policy if your charger plugs into an existing outlet.
Does anyone know for sure? Are their lawyers that I should talk to about this?