Knob and Tube, Insurance Problems in Reno (What Homeowners Need to Know)

If your insurance company is giving you trouble because of knob and tube wiring, you’re not alone.

Many Reno homeowners are being denied coverage, dropped, or forced to upgrade their electrical systems due to outdated wiring. Insurance companies see knob and tube as a major fire risk — even if it still works.

At Super Electric, we help homeowners across Reno and Sparks understand their options and safely upgrade their electrical systems when needed.

What Is Knob and Tube Wiring?

Knob and tube wiring is one of the oldest electrical systems still found in homes today. It was commonly installed between the late 1800s and early 1900s.

This system uses:

• Ceramic knobs to support wires

• Ceramic tubes to protect wires through framing

• No grounding wire

While it was considered safe at the time, it does not meet modern electrical safety standards.

The Risks of Old Wiring

Outdated electrical systems pose various risks that can compromise the safety of your home and loved ones. These risks include:

• Increased chances of electrical fires due to worn-out insulation and overloaded circuits.

• Higher probability of electrical shocks and shorts.

• Diminished energy efficiency leading to higher utility bills.

It's evident that addressing old wiring is not only necessary for insurance purposes but also essential for ensuring the well-being of your household.

Why Insurance Companies Are Flagging It

Insurance companies are becoming stricter — especially in Nevada — when it comes to older electrical systems.

Here’s why knob and tube wiring raises red flags:

• No grounding (increased shock risk)

• Deteriorated insulation over time

• Not designed for modern electrical loads

• Higher risk of overheating and fire

• Often modified improperly over the years

Because of these risks, many insurance companies:

• Refuse to issue new policies

• Cancel existing coverage

• Require full electrical upgrades before approval

Signs Your Home Still Has Knob and Tube Wiring

Not sure if your home has it? Here are common signs:

• Two-prong outlets (no ground)

• Cloth-wrapped wiring

• Ceramic knobs or tubes visible in attic or crawlspace

• No ground wire in electrical system

• Home built before 1950

If you’re unsure, a professional inspection is the safest way to confirm.

Can You Keep Knob and Tube Wiring?

Technically, knob and tube wiring can still function — but that doesn’t mean it’s safe or acceptable to insurance companies.

Even if it’s working:

• It may not pass inspection

• It may prevent you from getting or keeping insurance

• It can limit your ability to sell your home

Most homeowners eventually need to upgrade to modern wiring.

Why You Shouldn’t Ignore This Issue

Waiting too long can lead to bigger problems:

• Insurance policy cancellation

• Higher premiums

• Electrical failures or fire risk

• Issues during home sale or inspection

The sooner you address it, the easier (and often cheaper) it is to fix.

⚡ Need a Licensed Electrician in Reno–Sparks?

At Super Electric, we provide fast, reliable electrical services for homes and businesses throughout Reno and Sparks. Whether you need troubleshooting, a panel upgrade, EV charger installation, or wiring upgrades, our team is ready to help.

✔️ 700+ 5-star reviews✔️ Fast response times✔️ Honest, upfront pricing✔️ Licensed & experienced electricians

📞 Call now: 775-230-7006

👉 Serving Reno, Sparks, Spanish Springs, Verdi, and surrounding areas