Home Insurance in Calgary: Get to Know Your Wiring and Electrical Box

home insurance calgary, insurance calgaryAt Bow Valley Insurance, we take the time to go over all the details of your house and property to ensure your home insurance offers the most complete coverage possible. Calgary’s recent flooding caught some homeowners off-guard, and everyone is paying closer attention to Ways to Save on house Insurance. All home owners can benefit from the knowledge gained from our Home Evaluation  form, and if you’re looking for home insurance,  be sure to get a quote  from Bow Valley

Your electrical system is a pivotal part of the comfort and function of your home, but since its components remain unseen behind walls for the most part, it can sometimes be forgotten about. Bad wiring is a common cause of fires. As well, since June of 2013 Calgary residents have discovered that in the event of a flood, placement of their electrical box or panel can be very important.

Home Insurance Calgary: Checking the Amperage of Your Electrical Service

Lowering your risk of fire can help you remain claims-free on your home insurance. Calgary residents should be aware of how many amps their electrical box can handle, and how to not overload their breakers. If you don’t know or can’t tell, bring in an electrician to walk you through the ins and outs of your electrical box. Get them to label all of your breakers clearly and to describe the maximum amount of amps for each.

Important Things to Consider if You Own an Older Home

It’s a good idea to have your home inspected to determine what kind of wiring system you have if you own an older home. Common in homes constructed during the 60s and early 70s, aluminum wiring can loosen over time and pose a fire risk.

Older homes can also have a type of electrical system called knob and tube wiring and should be upgraded as quickly as possible. It can easily become overloaded, causing wires to become brittle and pose an extreme fire hazard. Calgary home owners who upgrade their electrical system will definitely reduce their risk of an electrical fire.

Home Insurance Calgary: The Best Place for Your Electrical Panel

After the floods in southern Alberta thousands of homeowners had to rebuild from scratch. To comply with flood mitigation measures enacted by the government, homeowners in flood-prone areas have three options for their home’s electrical panel:

  • Placing their main electrical panel on an upper floor
  • Installing a waterproof disconnect-switch on the exterior of their home that will deactivate electrical supplies if flooding occurs
  • Installing a secondary electrical panel in an outbuilding designed to become the main power supply if a flood damages your primary electrical panel

House Insurance Calgary From the Brokers at Bow Valley Insurance

At Bow Valley Insurance our brokers take the time to sit down with you and go over the details to make sure your most important investment is protected. Remain claims-free on your home insurance, and Calgary residents are often eligible for a discount. Our brokers have access to several insurance providers and we promise to find you the best home insurance  available at excellent rates.