What is knob and tube wiring and can it affect my ability to get home insurance?
Many houses built prior to 1950 have a type of electrical wiring known as “knob and tube” wiring. This wiring consists of porcelain insulating tubes that contain wires, whereas modern wiring is usually run through plastic or PVC tubes. These porcelain tubes pass through the beams, rafters and walls of the home and the porcelain knobs are used to carry the wire around corners. Homeowners with this type of wiring may find it difficult to obtain homeowner insurance because some insurance companies feel that this type of system may cause an increased risk of a fire. Some insurance companies may require an inspection to show the condition of the coating of the wiring. If the inspection reveals that the coating is in good condition, they may choose to write the policy. If the coating is cracked or deteriorating, the insurance company may choose not to write the policy. In some cases, older homes have a lower capacity in their wiring systems therefore homeowners should make sure they do not h
