FWIW when renewing our home insurance they asked whether we had any EVs that charge or are parked in our garage. I’m not sure how it would have affected our premium as I don’t own an EV, but the fact that they’re even asking makes me think they must see it as an elevated risk.

I don't. Nor did the study answer that question. But that's my point -- consumers need to be reassured that their EV vehicles are safe plugged in within their home while they are sleeping.