What You Need to Know About Aluminum Wiring and Home Insurance

If you are a homeowner with aluminum wiring installed in your property, you may be concerned about how it will affect your home insurance. Indeed, many insurers treat homes with aluminum wiring differently as it can present more of a fire risk than other cords and materials. In this article, we will explore the issues surrounding aluminum wiring, how it can affect your home insurance, and what you can do if you have aluminum wiring in your home.

How Can Aluminum Wiring Affect Your Home Insurance?

Aluminum wiring was widely used during the 1960s and 1970s on account of its affordability, but these days it is not recommended due to the risks it poses to your home. In particular, aluminum wiring can cause electrical arcing, sparks, and fires. As a result, some insurers may view homes with aluminum wiring as higher-risk, increasing premiums or even refusing coverage altogether.

It is important to note, however, that not all insurers will penalize you for having aluminum wiring. Some insurers may still provide coverage at the same rate as for homes with other wiring types; however, they may also add some restrictions and require additional precautions. It is worth shopping around to find insurers who are willing to cover your home regardless of the type of wiring.

Reducing the Risk from Aluminum Wiring

In order to reduce the risk posed by aluminum wiring, it is important to ensure that it is installed correctly and maintained regularly. Electrical connections should be checked periodically for signs of overheating, oxidation or corrosion. If you believe that your home's aluminum wiring is causing problems, you should hire a licensed electrician to repair it and make sure the repairs comply with all safety regulations.

You should also limit the appliances attached to your aluminum wiring. Overloading circuits can cause overheating, sparks and other hazards. Finally, you should inspect the insulation around your aluminum wiring, ensuring that it is not cracked or damaged, as this can lead to shorts and other problems.

Conclusion

Insurers often view homes with aluminum wiring as high-risk, potentially leading to increased premiums or refusal of coverage. However, some providers may still offer reasonable rates for homes with aluminum wiring, providing you adhere to additional safety protocols and precautions. By taking the necessary steps to reduce the risk posed by aluminum wiring, you can help protect your home and enjoy the peace of mind that comes with taking out home insurance.

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