Which of the following is a key consideration for residential properties with electrical systems?

In the context of residential properties and their electrical systems, properties with less than 100 amps of electrical service can indeed be challenging to insure. Insurance companies often view insufficient electrical capacity as a potential risk, particularly in older homes where lower amperage systems may not safely support modern electrical demands.

Insurers are concerned about safety hazards such as fire risks or the inability to properly power essential appliances and systems, which may lead to loss or damage claims. Homes equipped with less than 100 amps may also present issues in meeting current electrical codes and standards, further complicating their insurability. Therefore, it's critical for homeowners and potential buyers to recognize that a minimum electrical service capacity is often necessary for both safety and insurance purposes.

The other options do not accurately reflect the key consideration regarding electrical systems in residential properties.