When we bought our 1886 in Iowa, we figured we would also simply contact our then insurance company. Said un-named national company absolutely refused to talk to us about homeowners insurance because (are you ready?) we rented the pasture out for cattle! State Farm and a few others refused to talk to us because the house was built before 1900, claiming it was a national standard. The local brokers in our small town believed some old stories about collapsing walls and floors falling in; they wouldn't bother to drive the 5 miles out of town to find out the stories weren't even true. They also insisted that any policy had to be for an unoccupied residence since we were going to be gone for the first couple of winters because there was no furnace in the house yet. Excuse me, ever heard of snowbirds!?
We finally went to another town to talk to a broker who found a company that would cover the house without the replacement cost or market value problems. We insured our house for what it would cost to build a 4 bedroom ranch with a family room. Why not? We would never be able to rebuild it as it is and it would be nearly impossible to find someone who could do the intricate woodwork anyway.
Next year, we hope the insurance will be a little less since it will have been occupied for a year instead of abandoned for several years.