Holman Insurance Brokers Ltd. specializes in providing Homeowners insurance for older homes that contain knob and tube electrical wiring and/or in 60 Amp Service.

Many insurance companies consider these to be unsafe but provided they are in good condition and not overloaded they are still considered safe. In fact, 60 Amp service still complies with modern electrical codes.

A knowledgeable electrician can tell you updating wiring does not mean the size of the service has been increased or additional circuits have been added? Does it mean that the older knob tube wiring has been torn out (which is usually not necessary)? Sometimes it means that the old outlets have been replaced with modern-looking ones, however the wiring has not been changed at all.

A better approach may be to review the adequacy of the incoming service and more importantly the adequacy of the distribution network. It is however very difficult to assess without a solid understanding of electricity. We all know that you cannot determine the size of an electrical service by reading the sticker on the main box in the basement. It will be up to a licensed electrician to determine if your electrical system is adequate and provide an electrical safety inspection. Holman Insurance Brokers Ltd. understands the issues and works with a number of insurance companies to provide insurance at reasonable premiums for those homes that can provide the appropriate safety inspection.

To find out how we can look after all your  insurance needs, or have one of insurance professionals tailor a comprehensive and cost-effective insurance solution, call 905-886-5630 or 1-800-567-1279  and ask for our Special Risk Property department. You can also fill out one of our online quick quote forms.