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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. 

How far you can run underground electric depends on the wire gauge (generally AWG) and the circuit voltage. Too much voltage drop in an electrical circuit can negatively affect performance, so the smaller the voltage drop, the better. Ideally, it shouldn't exceed 3%. The smaller the wire and the longer the run, the more significant the voltage drop. 

For example, with a 120-volt circuit, you can run 60 feet of 12 AWG cable without losing more than 3% voltage. With a 240-volt circuit, you can run 120 feet of 12 AWG wire while maintaining a voltage drop of 3% or less.

It can be safe to buy or live in a house with knob and tube (K&T) wiring, but only if the system is in good condition, functional, and has been thoroughly inspected and approved by a licensed electrician. Never purchase a home with K&T wiring without getting a professional electrical inspection first.

Key considerations include:

• Safety and Condition: An inspector will verify that the wiring is safe and has not deteriorated. Over time, the insulation can wear away, leaving exposed wires that pose a significant fire or shock hazard.

• System Capacity: The electrical service should be at least 60 amps. However, even at this capacity, K&T systems often struggle to handle the demands of modern appliances and electronics.

• Lack of Grounding: Knob and tube wiring is an ungrounded system, which is a safety concern for many modern devices.

• Ongoing Maintenance: If you live in a home with K&T wiring, it's recommended to have it inspected by an electrician every one to two years to ensure it remains in safe working order.

Ultimately, any inspection or modification of a knob and tube system should always be performed by a certified professional.

Let them know exactly what type of job you need them to do, and be as specific as possible to get the most accurate estimate. A photo of your project might help them better understand your needs. Ask what kind of prep you should complete before they visit and what kind of cleanup to expect after the visit. Finally, ask how long the project usually takes.