If you’re the owner of an older home, or if you’re planning to buy one, you may already know that some older homes have knob and tube wiring – a wiring method used in residential homes in the early 1900s to 1940s. Knob and tube wiring is no longer installed and you may be surprised to find out that many insurers will not provide or renew coverage on homes with this type of wiring as they consider it to be a higher risk. Also, older electrical systems do not contain the same safety benefits found in modern electrical installations (for example, ground fault circuit interrupters in bathrooms and outdoor locations.) Some insurance companies even require a total replacement of knob and tube wiring prior to providing insurance coverage.
Myth: Knob & Tube wiring is unsafe.
Fact: Knob & Tube wiring is safe, provided it is properly maintained by a Licensed Electrical Contractor as outlined above.
Was your home built between the mid 1960s and late 1970s? If so, it may have aluminum wiring. Homeowners today are finding many insurers may not provide or renew insurance coverage on these homes unless the wiring is inspected by the Electrical Safety Authority (ESA), repaired or replaced as necessary, and a copy of the Certificate of Inspection is provided to the insurer. You should check with your insurance company for their requirements.
If repairs are required, remember that if you’re hiring someone to do electrical work in your home, by law it must be a Licensed Electrical Contractor. It is recommended you hire one familiar with aluminum wiring.
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