"Our underwriting guidelines currently do not allow us to insure properties whose replacement values are significantly higher than their market value. Sorry for the inconvience."
And I didn't even tell them about the carriage house!
Which makes me wonder: just how much would it cost to replace this house? The mind boggles! Millions, I'm sure.
They have a couple of (not so beautiful) houses in the neighborhood slated for demolition. I'm hoping I might be able to snag some floorboards if I figure out who to ask.