[MassHistPres] Insurance for Older Homes w/ Knob & Tube Wiring

[C. Marshall]

I have heard that others have had problems with this...I have Plymoth
Mutual for a house built in 1880 in North Brookfield.   


Claudette Marshall
Marshall Consulting
www.marshallcomputing.com 

-----Original Message-----
From: masshistpres-bounces at cs.umb.edu
[mailto:masshistpres-bounces at cs.umb.edu] On Behalf Of slater at alum.rpi.edu
Sent: Friday, November 10, 2006 2:55 PM
To: masshistpres at cs.umb.edu
Subject: Re: [MassHistPres] Insurance for Older Homes w/ Knob & Tube Wiring

> My wife & I are in the process of obtaining homeowner's insurance for 
> a home we've purchased that was built in 1900, and which still has 
> some knob & tube wiring in the attic & the basement.  In making an 
> initial call to an insurance broker about getting a rate quote for a 
> policy, I was told that we would not be able to get coverage from any 
> of the companies they write policies for because of the fire hazard 
> this poses. I'm sure coverage is available for us somewhere, but 
> probably at a higher rate due to the greater risk to the insurer.  If 
> anyone can offer any information regarding the following, I would be 
> most grateful:
> 
> 1) the names of any insurance companies you know of that will cover 
> homes with knob & tube wiring? 2) information from personal experience 
> as to how much of a higher rate one would expect to pay for a policy 
> on a home that has knob & tube wiring?
> 

I have never been told that a house cannot be insured if there is some knob
& tube wiring. I'd expect most homes built before the turn of the century
would have some of this between their walls or powering ceiling fixtures.

I use Merrimack Mutual for an insurer for a 1898 house in Springfield.

Ralph Slate
http://www.hockeydb.com


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