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It’s hard work restoring a historic home. As a compensation for your labor, you’ll have a sense of accomplishment and rest safe in the knowledge that you’ve helped preserve the nation’s past insistence on craftsmanship and design. Here’s the rub: a standard homeowner’s insurance policy won’t cover the replacement of materials such as those stately columns, antique doorknobs and custom woodwork details which make your home unique and worth preserving. Depending on the age of your home,…