Many old houses such as those from late 1880's-early 1900's still have K&T. Many Insurance companies do not refuse coverage. I have worked on many homes in the historic district. Never heard any complaints from homeowner that they couldn't get coverage. I myself have a 120 year old house. My insurance company is a very large and well known company. Had no problems getting coverage although I have K&T. And, no, my premiums were not higher.