A 1925 build is 101 years old. A house from before about 1950 was wired with knob and tube, and that is the item most likely to come up when a policy is being arranged. Here is what tends to be true at that age, what each one costs in 2026 Canadian dollars, and the sentence to say to the agent.
Ordered by what tends to matter most.
Homes built before about 1950 were wired with knob and tube. It has no ground, the insulation goes brittle with age, and it is not safe buried under added insulation. It is the era item most likely to come up when a policy is being written.
If the panel needs replacing as part of resolving it, that is $1,500 to $4,000, plus the Hydro disconnect and the ESA permit on top.
Knob and tube shows as single cloth covered wires running through white ceramic knobs and tubes, usually visible in a basement ceiling or an attic. A photo of the open panel and one of the basement ceiling will usually settle it.
Say this to the agentIs any knob and tube wiring still live in this house, and if it has been removed is there paperwork for the work?
Homes heated with oil before about 1975 often had the tank abandoned in place when they converted to gas rather than removed. A leaking buried tank is an environmental problem rather than a repair, and it is the single item in this list most likely to stop a policy being written until it is resolved.
Removal runs $1,800 to $3,000, to remove, with soil remediation commonly $5,000 to $15,000 and documented cases far beyond that.
Look for a fill pipe or vent stub poking out of an exterior wall, and for capped copper fuel lines at the basement wall. If the listing says converted to gas, the question is whether there is removal paperwork.
Say this to the agentWas this house ever heated with oil, and if it was, is there a record of the tank being removed and the soil tested?
Homes from before the 1960s were commonly plumbed in galvanized steel. It rusts closed from the inside over decades, so the symptoms are weak pressure, brown water after the house has sat, and eventually leaks. Unlike most things on this list it degrades on a schedule rather than by chance.
A whole house repipe runs $6,000 to $18,000, and $10,000 to $20,000 in Metro Vancouver, where the labour rates are higher.
Galvanized is dull grey, has threaded joints, and a fridge magnet sticks to it. Copper and PEX are the good answers. Check at the water heater and under a sink.
Say this to the agentWhat are the supply pipes made of, and how much of the original pipe is still in the walls?
This is what is typical for the year. It is not a finding about this house.
Photographs of the panel, the basement and the water heater would tell you whether any of it applies here.
Every dollar figure on this page comes from the Casaroo repair cost dataset, published openly with its methodology, version and licence. Each item links to the guide that lists its own sources. Figures are 2026 Canadian dollars and are ranges, not quotes.
That is what is typical for the year, and it is the part almost nobody walks in knowing. It is not yet what is true of the house in front of you. The next step is how you find that out.
The order to walk the rooms so you do not double back, what to photograph at each stop, what a bad answer sounds like, and the exact sentence to say out loud. Read it on your phone with one hand.
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Built from the Casaroo knowledge base in 2026. Ages on this page are counted to 2026.