Are EV batteries and their charging system "UL Approved" ... so to speak? Any device with a battery and a charging system like a cell phone are. Space heaters are suppose to be UL Approved, which means the design is certified to be safe if used properly per the manufacturer. Most space heater fires are from misuse - ie, put on a long inadequate extension cord, put on an over loaded worn outlet, put way too clise to combustible materials, etc.
As more and more EVs are bought, time will tell if they are more prone to start fires while parked and/or charging, and for what reasons. Say for instance, if someone jerry rigged their own 240v charging system, instead of having it done by a bonded pro electrician with permits and inspections, and it caused a fire the insurance company isn't going to cover it.
If EV fires are rare, and shown to be caused by a design and/or manudacturing defect, then the insurance companies will probably pay, but turn around and sue the manufacturer for damages.