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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. 

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.

An air conditioner’s watt usage depends on multiple factors, including the type of AC unit, its size, and how often you use it. With that said, most central air conditioners consume between 3,000 and 3,500 watts. Meanwhile, window AC units use 900 to 1,400 watts, and portable air conditioners consume 2,900 to 4,100 watts.

Aluminum wiring can pose a significant fire risk because it tends to expand, contract, and overheat, leading to failing connections and splices. If your home has aluminum wiring, it doesn't always require a complete replacement, but you must take safety precautions. The first step is to hire a licensed electrician to conduct a thorough inspection. Based on their findings, you have several options:

• Full Replacement: The safest but most expensive solution is to replace all aluminum wiring with copper.

• Copper Pigtailing: A more budget-friendly option, suitable for certain homes, involves adding a short section of copper wire to the end of each aluminum wire at connection points.

• Other Safety Upgrades: Your electrician may also recommend installing aluminum-compatible outlets and applying an anti-oxidant paste to connections to prevent corrosion.

Consulting a professional will help you determine the best course of action to ensure your home's wiring meets current safety standards.