Knob-and-Tube Wiring in BC: Replace It, or Live With It? (2026)
AR
By Ashkan RazaghiKnob-and-tube is technically legal if pristine but impossible to insure in Metro Vancouver. Replacement is the standard for long-term safety.
Why is it considered a risk?
K&T wiring has three fatal flaws for modern homes:
- No Grounding: No protection for modern electronics or shocks.
- Brittle Insulation: Rubber/cloth covers degrade after 80+ years.
- Modifications: Usually unsafely tapped into over time.
- Insulation Coverage: Cannot be covered by attic insulation (overheats).
The Insurance Reality
Almost every major insurer in BC will require a 100% removal or a certified inspection before renewing a policy on a home with active K&T.
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Frequently asked questions
Can I just replace the visible wires?
No. Insurers require all 'active' knob-and-tube to be disconnected throughout the entire structure.
Is it a fire hazard?
Yes, specifically when overtaxed by modern appliances or buried in thermal insulation.