There is still some concern about home charging EVs because of the fire risk, IMO. Li-Ion batteries can be volatile when either fully charged or pressure put on them when they are close to empty but computer controlled charging and cooling have minimised that risk recently.
There have been a spate of house fires due to Lit-Ion battery charging of scooters. This however hasn't translated into EV caused house fires
Insurance on Plug-ins, however, is higher than Hybrids. I got a quote yesterday for my hybrid and hypothetically I asked the insurer if a Plug-in would be more expensive and he said generally yes.
