As of last month, our homeowner's insurance went from $89 a month to $140. I'm not good at math, but that's a big hike. When I called Allstate, the agent said that they have raised their rates for older homes because they have found that older homes are much more expensive to replace. While this is assuring - in light of the recent fire -that we do in fact have replacement value coverage, I'm wondering if others experienced this same hike. What other insurance companies does anyone recommend for older homes, as a real estate person told me over the weekend that Allstate was one of the few that understand old homes. Ours is a 1910.