Earlier quoted context omitted.
Do you have proof that claims are denied due to power supplies not rated correctly? That seems like fear mongering otherwise. Your insurance still covers your house even if you make mistakes on construction or repair yourself, I can’t imagine them denying a claim over a purchased part that you have a good faith reason to believe it will function correctly. Also why do you specifically call out Chinese parts as being…
My understanding is that insurance will not cover issues caused by DIY work if you did not have it permitted and inspected properly afterward. I sincerely doubt that an insurance company would be required to cover losses due to DIY electronics using parts that have not been properly safety rated. I'm surprised you think the opposite is obvious. Could just be my US perspective.
I would be shocked if that's true, considering here in Texas you don't need a permit or inspection to do DIY work on your own house.