Insurance KNOWS its fire hazard rate is higher, and buying a preowned
home its possible others did unsafe changes to the wiring.

Things DONBT last forever and K&T is just another thing.........

solder can and does fail over time espically if anyone used acid flux
when making repairs, its great for plumbing but unsafe for electrical
wires.

if your defending K&T please state if your home has that wiring.....
thanks