Most electrical fires are caused by faulty wiring and outlets, so yes, DIYing your own wiring and outlets can easily destroy you home...
A 10A outdoor charger probably also deserves it's own breaker.
A 10A outdoor charger probably also deserves it's own breaker.
If you are not comfortable with high voltage electrical work, or are not familiar with basic components of the electrical code that governs your area, then definitely don't do this. But mass-labeling the work of others as unsafe or harmful is not appropriate either.
You have a good source for this? I see claims like this every time a discussion of this sort and they rarely come with any citations.
Insurance will pay out, provided electrical fires are covered by your policy.
They will then do their best to assign liability and pursue subrogation. If you did the work yourself, you're liable. If you're insured for that work, they'll come after your insurer. If you're not, they'll come after you. If your work is permitted and to code, you'll probably be fine, if not, good luck!
So it looks like you're correct! Unlicensed work appears to be covered, but you may paid AND sued.