Knob and Tube Wiring in Residential Homes – Insurance May be Denied


The Electrical Safety Authority has received an increasing number of questions about the safety of knob and tube wiring. In particular, purchasers or owners of older homes are finding that many insurers will not provide or renew coverage on such properties. In some cases, the insurance companies are requiring a total replacement of this wiring prior to providing insurance coverage. Knob and tube wiring, more recently referred to as open wiring, was a wiring method used in the early 1900s to 1940s in the residential sector. Over the years wiring installation practices have changed in the residential sector and knob and tube wiring is no longer installed; however, parts continue to be available for maintenance purposes. Existing knob and tube conductors concealed in walls, floor spaces, etc; supplying general lighting and receptacle circuits are permitted to remain in place if:
  • They are protected by a 15 ampere fuse or circuit breaker; and
  • No additional outlets have been added to the original installation so as to overload the circuit; and
  • The conductors, where visible, appear to be in good condition.
If your home has knob and tube wiring, we recommend that you follow these guidelines: Have a qualified electrical contractor check the “knob and tube” conductors in your existing installations for sign of deterioration and damage, or request a general inspection from ESA. The General Inspection report will identify visible electrical safety concerns in your electrical wiring. “Knob & tube” conductors should be replaced where exposed conductors show evidence of mechanical abuse and or deterioration, poor connections, overheating, alterations that result in overloading, or if changes to wiring contravene any section of the Ontario Electrical Safety Code. Homes with knob and tube wiring may not have the electrical capacity to meet today’s needs. As a result, homeowners have modified their electrical system with what the Electrical Safety Authority classifies as unsafe practices. Homeowners who are planning to modify their knob and tube wiring, or any other electrical wiring, should have the work performed by a licensed electrical contractor or electrician and arrange for an electrical inspection by Electrical Safety Authority.

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