What is Knob and Tube Wiring?
Knob and tube wiring is a type of electrical wiring that was widely used until the 1940s.
This wiring method is considered outdated and potentially dangerous as it does not have the same level of grounding and protection as modern wiring. It may also be more susceptible to wear and tear, which can increase the risk of electrical fires and other hazards.
Why is this term important?
If a home was built in 1950 or earlier it’s important to assess its electrical system and determine if it uses knob and tube wiring and, if so, inspect for any signs of deterioration or damage.
Insurance providers may refuse coverage, or charge higher premiums, for homes with knob and tube wiring since they are considered higher risk.
Here is an example:
A home buyer has purchased a home built in the 1940s. Before making an offer they reviewed the home’s electrical system and determined that the property has knob and tube wiring.
While preparing to close on the home, they reached out to their home insurance provider and secured vacant property insurance while they renovated the electrical, after which they will be able to receive traditional property insurance and move into the home.