Why Aluminum Wiring Can Cost You More Than You Think

Most homeowners understand the fire risks of aluminum wiring, but fewer realize the impact it has on home insurance coverage. If your home still contains this outdated material, you could face higher premiums, reduced coverage—or outright denial.

In this blog, we’ll explain how aluminum wiring affects your insurance policy and what you can do to fix it.

What Insurance Companies Think About Aluminum Wiring

Insurers in British Columbia, including major providers like Square One Insurance, often flag homes with aluminum wiring as high-risk. According to Square One, this type of wiring can increase the likelihood of electrical fires, which makes insuring your property more costly—or even impossible without corrective action.

“Aluminum wiring presents a much higher risk of overheating and fire when compared to copper wiring.” — Square One

In many cases, your insurer may:

• Require a professional inspection
• Demand full replacement or certified copper pigtailing
• Increase your premiums or deductible
• Deny new policies altogether

Warning Signs You May Have Aluminum Wiring

• Your home was built between 1965 and 1975
• Outlets or light switches feel warm
• Breakers trip regularly
• You hear buzzing sounds near plugs or lights
• Lights dim or flicker without reason

If you notice these issues, contact a certified electrician immediately.

Your Repair Options

1. Copper Pigtailing

This involves connecting aluminum wires to copper using CSA-approved connectors. It’s a safe, cost-effective solution accepted by most insurers if done by a licensed professional.

2. Full Replacement

While more expensive, this option eliminates aluminum wiring altogether—offering maximum safety and full insurance approval.

How Trigger Electric Can Help

We’re experts in aluminum wiring inspections, retrofits, and replacements. We’ll ensure all work is compliant with BC’s Electrical Safety Regulation, and we’ll provide documentation that satisfies insurance providers.

Get the peace of mind you need with professional, code-compliant service.

Learn more on our Aluminum Wiring Services Page.

Book an Inspection Today

Protect your home, reduce your premiums, and stay covered. Request a Free Quote or Call Us to schedule your aluminum wiring consultation in Vancouver.

Avoid insurance problems—upgrade your aluminum wiring with Trigger Electric.