I don't live in the US (in New Zealand), but this made me check my policies. I'm no longer a home owner but I checked my policy from a couple of years ago, and

I don't live in the US (in New Zealand), but this made me check my policies. I'm no longer a home owner but I checked my policy from a couple of years ago, and I checked the contents insurance I currently have (which has indemnity for the rented property as well). An intentional or reckless act wouldn't be insured if it directly causes a loss, but anything else is. There's no exclusion for doing things that are illegal other than illegal substance manufacturing, and I'm pretty sure I didn't miss anything because the whole policy is 12 pages, including the cover and table of contents. Electricity regulations wise, it's legal for me to do anything that plugs in to a socket. If I owned and occupied the property it's legal to do anything that doesn't require moving or adding a fixed cable to the consumer unit. Adding new fixed cable runs required a licensed electrician to sign them off before energising. It's illegal to do DIY electrical work on a property if it's let to anyone other than family, unless it's certified by a licensed electrician.