Actually, on this house, they're asking about a LOT of stuff, beyond
what I got asked when I insured the 1979 house we just sold.
Apparently 1924 raises all sorts of flags. I'm at the point where I
just start out by saying we have knob and tube, after I spent almost
half an hour on the phone with two of the first places I called, only
to have them decline to write a policy _after_ they asked about K&T.
That's after they took down the names, ages, genders, neuter status,
breed mixes, etc of all three dogs, among other things. Took forever,
only to get told 'no'. Since we're closing in just over 2 weeks, I
don't have a whole lot of time to burn, making me pretty averse to
trying to see if some insurer will forget to ask for long enough to
get the sale closed.
The folks who suggest I lie to the insurance company are probably
right - I could lie to them and probably for long enough to get the
house closed. However, it's clearly documented in the inspection
report that there's K&T, so in the event that I _did_ need the policy,
I'd be up a creek. Insurance fraud isn't my cup of tea, thanks. :)
It sounds like things have recently changed with K&T. AllState is no
longer insuring K&T (they were as recently as 2 years ago), nor is the
insurance company that presently covers the house. Nor my present
insurance company, despite years with not a single claim in the house
we just sold. I'll check the other companies suggested.
At this point, I've found one company (small local broker) willing to
write a policy which would give me 60 days to replace the wiring after
closing. That may be rushing it, depending on how many holes we have
to make in the walls, but it's doable at least.
So knob & tube is at least temporarily insurable in VA, but for
anything long term, I'd have to look at VPIA (which is Virginia's
version of FAIR). I was I think incorrect when I posted yesterday
that I couldn't insure the house through VPIA - they just won't do
replacement cost while the house is being remodeled.