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Tankless water heaters won’t increase your electric bill. Since tankless water heaters are more efficient than tank water heaters, installing one in your home will actually allow you to save money on your electric bill. The Department of Energy estimates you can save $100 or more each year with a high-efficiency tankless water heater.

Most 200-amp panels have 40 to 42 slots, which can accommodate 40-42 single-pole breakers or 20 double-pole breakers. Some panels can accept even more circuits through the use of tandem breakers. The exact number of breakers allowed is determined by the panel manufacturer's rating, which you can find on the panel itself. It is important to avoid using all breakers at the same time; as a general rule, you should not use more than 160 amps of power at once to prevent overloading your 200-amp system. For specific guidance, it's best to check your panel's rating or consult with a qualified electrician.

If wiring in a relatively modern home is damaged due to sudden events like a fire, a tree falling into the house, or a flood, then homeowners insurance is very likely to cover the cost of replacing the wire.

However, if it’s determined that wiring failed or started the fire because of age, neglect, or not meeting current electrical standards, then insurance won’t be covering any replacement. Also, insurance policies may charge more for particularly old kinds of wiring like aluminum wiring or deny applications altogether. 

Knob and tube wiring is old, and its casing is brittle. This means that it's possible to receive a dangerous electrical shock if you touch a live wire and essentially become an electrical pathway. Although the scenario is unlikely, touching any K&T wiring is simply not a good idea in any instance. Leave any wire handling to the professionals.