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It could work this way. Wiring not done by a licensed electrician then you pay triple for insurance. No insurance no mortgage. Now you can have your house burn down and it is a total loss. Hell NH drivers don't need insurance. Live free or die.

Edit: Actually I just remembered you can wire your own house in NH, but it still has to be inspected. They are not totally crazy.

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This is a horrible idea. What will happen and has happened in reality is that those with less scruples or money will simply pay for the cheaper unlicensed work and not pay for extra insurance. Those people or their tenets then suffer by injury and death when an electrical fire starts or an improper wiring job jolts someone.

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