You originally said: If your house is nominally electric (using gas for things which gas is really good at, making heat) and your gasoline bill is non-existent

You originally said: If your house is nominally electric (using gas for things which gas is really good at, making heat) and your gasoline bill is non-existent because your vehicle is electric. It means you can cost out power with a depreciation/replacement cost model which gives you much better forecasting ability. One of the reasons given for taking 'energy costs' out of the whole inflation/cpi metric was due to its volatility. I understood this to mean that you were saying that the risk to households caused by deprecation of batteries, was less than the risk caused by varying electricity prices. You don't seem to be answering this point anymore. I'm not saying that batteries are especially risky. I'm saying that the risk from batteries isn't clearly less than that from electricity prices. I don't think insurance can deal with this for the usual reasons that insurance involves moral hazard. But maybe batteries will not require any maintenance, or maintenance will be so standard, that moral hazard won't be an issue.