How unlicensed electrical work can send your insurance costs through the roof ⚡💸 1. Insurance assumes licensed work = lower risk Home insurers price your policy based on risk. When electrical work is done by a licensed electrician , it: Meets electrical code Is inspected and documented Has accountability and liability coverage Unlicensed or DIY work removes all  of that safety net—and insurers notice. 2. One discovery can trigger a premium hike If an insurer finds unlicensed