Updating knob and tube
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In some cases knob and tube wiring can be insured after a review by a licensed and certified electrician.Knob and tube wiring is an older type of wiring that was used in the past and can be found today in homes that were built prior to the 1950’s.It is called ‘knob of tube’ because of insulator knobs which are used to keep wires isolated and insulating tubes that were used to guide conducting wires through walls or ceiling elements. From the insurance perspective knob and tube wiring is considered more dangerous than other types of wiring because the wires are quite old and worn due to their age.Most new wiring in NJ and elsewhere has three prongs, as the ground wire was not present in knob and tube wiring.
One of the other major concerns to note is that just because you have three prong outlets in older homes does not necessarily mean that you don’t have knob and tube wiring..
Knob and tube wiring typically consists of a black and white wire (i.e. There is also no ground wire, which exists in modern wiring circuits.