I can no longer edit, but I've learned my comment is somewhat misleading.
Home insurance policies (in the US) often cover negligence including faulty electrical work. If it's in your contract, they will pay.
Insurance companies will then do their job, which is to find someone liable and send them the bill (subrogation). If you did the work, you're the responsible party.
TL;DR: Burning your house down is probably covered by insurance, but that doesn't mean you're not liable.
Home insurance policies (in the US) often cover negligence including faulty electrical work. If it's in your contract, they will pay.
Insurance companies will then do their job, which is to find someone liable and send them the bill (subrogation). If you did the work, you're the responsible party.
TL;DR: Burning your house down is probably covered by insurance, but that doesn't mean you're not liable.