Aluminum vs. Copper Wiring: What Homebuyers Need to Know
FEB 13, 2026
A Home Inspector’s Professional Insight for Safer, Smarter Purchases
If you're buying a home in Ontario—especially one built between the late 1960s and late 1970s—understanding the difference between aluminum and copper wiring is essential. As a certified home inspector, I’ve seen firsthand how electrical systems impact safety, insurance approval, and long‑term maintenance costs.
Here’s what every homeowner should know.
⭐ Aluminum vs. Copper Wiring: The Key Differences
Copper Wiring
- The industry standard for modern homes
- Highly reliable and resistant to overheating
- Strong and durable at connection points
- Lower risk of electrical failure
Aluminum Wiring
- Common in older Ontario homes
- Expands and contracts more, which can loosen connections
- More prone to oxidation, creating heat buildup
- Higher long‑term maintenance needs
Aluminum wiring can be safe—but only when inspected, maintained, and connected using approved methods.
⭐ Why Ontario Insurance Companies Flag Aluminum Wiring
Many insurers consider aluminum wiring a higher‑risk system, which is why they often require an inspection before approving or renewing a policy. This is due to:
- Increased potential for overheating
- Higher claim rates associated with older aluminum systems
- Frequent issues at outlets, switches, and light fixtures
Because of these concerns, insurers may request:
- A detailed electrical assessment
- Proof of safety upgrades
- Documentation from an ESA‑licensed electrician
⭐ Why an ESA‑Licensed Electrician Review Is Required
In Ontario, the Electrical Safety Authority (ESA) is the only authority recognized for electrical safety verification. Insurance companies rely on ESA‑licensed electricians because they ensure your home’s wiring:
- Meets Ontario Electrical Code standards
- Has safe, approved connections
- Does not pose a fire or shock hazard
- Has been professionally updated if needed
This verification protects you, the insurer, and your home.
⭐ How a Professional Home Inspector Helps
When inspecting a home with aluminum wiring, I provide:
- A clear explanation of what’s present
- Photos and documentation for your records
- Guidance on what insurance companies typically require
- Recommendations for qualified ESA‑licensed electricians
- Insight into the cost and scope of any needed upgrades
Our goal is simple:
To give you the information you need to make a confident, safe, and informed decision—before you buy.
Buying a Home With Aluminum Wiring? Don’t Worry—Get the Facts.
With the right inspection and professional assessment, aluminum‑wired homes can be safe and insurable.
A proper review ensures you understand:
✔ The condition of the wiring
✔ The level of risk
✔ Whether upgrades are needed
✔ What your insurer will expect
✔ The level of risk
✔ Whether upgrades are needed
✔ What your insurer will expect
Book Your Professional Home Inspection Today
We provide thorough, unbiased electrical evaluations as part of every inspection—giving you peace of mind and helping ensure a smooth insurance process.
