It depends on your insurance company, and only the insurer can tell you. Some insurers ask about the panel brand when they write or renew a policy, and some may ask for an electrician’s evaluation or a replacement. Call your agent and ask directly. An electrician can tell you what you have and what it needs.
Why insurers ask about Zinsco
Zinsco panels were common in homes built from the 1950s through the 1970s. Electrical inspectors and home inspectors have long reported problems with them, such as breakers that do not trip when they should and breakers that overheat or fuse to the metal bar behind them. Because of that history, some insurance companies ask about the panel brand on applications, renewals or home inspections.
We cannot tell you what your insurer will do. Policies and underwriting rules differ from one company to the next, and they change over time. The only reliable answer comes from your insurer or your agent.
How to find out where you stand
Open the outer panel door only and look for the Zinsco name on the label.
Call your agent and ask whether the panel affects your coverage or renewal.
Ask whether they want a written evaluation from a licensed electrician, or a replacement.
Ask for their answer in writing so you have it on file.
If you are buying or selling a home, ask the buyer’s or seller’s insurer the same questions early.
What an electrician can do
A licensed electrician can confirm the panel brand, check for heat damage, loose breakers or scorch marks, and write down what was found. If you decide to replace it, the work needs a permit and an inspection in most of the West Valley, which also gives you a record to show your insurer.
We will not push a replacement you do not need. If the panel is in poor shape, we will say so plainly. If your insurer only wants an evaluation, that is what we will talk about.
Talk to a real person
Call (602) 999-2770 and a person answers, any hour. We will help you understand what you have, and you will hear the price before anyone drives out. Our work carries a two-year warranty on labor and the material we provide.
A hot panel, buzzing, a burning smell or scorch marks need help right away. If you see smoke or fire, call 911.
Common questions
Do all insurers refuse homes with Zinsco panels?
No one rule applies to every company. Some ask about the panel and some do not. Ask your own insurer.
Is a Zinsco panel a code violation?
Not by itself. The concern is how the breakers perform with age. A licensed electrician can check its condition.
Will replacing the panel help with insurance?
It often removes the question, but only your insurer can confirm that. Keep the permit and final inspection record.
