EZSMART Corporation, ESA/ECRA #7012690 , North York , Ontario
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This varies significantly by insurer, but many Ontario home insurance providers either decline coverage, charge higher premiums, or require inspection and remediation for homes with active knob and tube wiring. Here is what homeowners generally encounter, from the licensed electricians at EZSMART, serving Toronto and the GTA.
Knob and tube wiring is associated with a documented higher fire risk profile due to aging insulation, incompatibility with modern building insulation, and no ground wire. Insurers assess this risk when determining whether to offer coverage and at what premium, similar to how they treat other higher-risk home features.
Many homeowners address this proactively, either through full replacement or by having a licensed electrician provide documentation of the wiring’s condition to satisfy insurer requirements. Getting ahead of this before shopping for insurance, or before a policy renewal, tends to be smoother than addressing it reactively after a decline or non-renewal.
Do all insurers require knob and tube wiring to be removed?
No, policies vary. Some accept an inspection report confirming safe condition, while others require full replacement.
How do I find out my specific insurer’s requirements?
Contact your insurance provider directly, or ask when shopping for a new policy, since this varies significantly between companies.
Can I get an inspection report to satisfy my insurer without full replacement?
A licensed electrician can provide documentation of your wiring’s current condition, which some insurers accept in place of full replacement.
Need a knob and tube wiring inspection for insurance purposes? EZSMART provides licensed assessments and documentation across Toronto and the GTA. Call 416-838-9006, and see what our customers say on our Google reviews page.
