<p>I live in an area filled with old houses. No reports of any special insurance needs, or birthday hikes in rates when the house turns 100 in 5 years! </p>
<p>However, I tried to ask about full replacement value on my homeowners policy, as all the oak woodwork can’t be cheap. Never did get a good answer from my agent, who stated it was insured for full value. But I still don’t understand if that is full replacement value with equally high quality materials.</p>