I have been in the insurance industry for 17 years and the problems with electrical panels continue to get worse every year. I can likely find you coverage, however it is going to cost too much. I suggest getting a quote from a few electricians to upgrade your panels to breakers. Once you have the electricians quotes and an insurance quote you will likely come to the conclusion that it makes more sense to have the panel upgraded. Lastly it's not all about insurance, it's a risk mitigation move for you and your family as well.