Many insurance companies will not insure a property with less than what amp service?

Insurance companies often require properties to have a minimum level of electrical service to ensure safety and reduce their risk. A common industry standard is 100 amp service. This is typically seen as the baseline for residential properties, providing adequate power for essential appliances and systems in modern homes.

Having at least 100 amp service ensures there is enough capacity to handle not only basic household needs but also additional loads that may arise from modern electronics and appliances. If a property has less than this capacity, it may be viewed as outdated or insufficient for current electrical demands, potentially leading to increased risk of electrical fires or system overloads.

In contrast, properties with lower service levels, such as 50 amp or even 150 amp, may not be deemed suitable for typical residential usage by insurers, which is why they often set the bar at 100 amps. A capacity of 200 amps is generally considered more than sufficient for large homes or those with higher electrical loads but is not the minimum required.