Are aftermarket power cords required to be UL / CE approved?

A fire is a fire and HO insurance will cover it. The only way they won't is if you lit the match and started the fire. If the power cord caused it, they will go after the manufacturer for reimbursement (subrogation).   

To Millercarbon

I ride bicycles, a lot. I’ve tumble over four time over the past twenty years, each time I bonked my head on the pavement; fortunately I was wearing a helmet each time I wiped out. Wearing a helmet can save you from a serious concussion or worse.

I fear your warning to mc might be a little bit too late. 🤭

Pretty sure all consumer electrics have to be by law.

Erichsch- you better check your info again.  If you install a wood stove and don’t get it inspected for example, insurance won’t cover a fire that was caused by the wood stove. If you had an electrician put in a 14 gauge wire with a 20 amp breaker and don’t get it inspected, insurance won’t cover a fire that was caused by that. I have asked these 2 questions to a few insurance agents and that’s the reply I got. I was involved in a 200 house fire 40 years ago and went thru the mess of getting insurance to pay for things. Ever since then, anything I wanted to add to an existing house like wood stove, dedicated lines, etc.. I always asked if insurance would cover the modification