Rental Property Insurance Question

[Denis Maheux]

One of my rental property is located in the Forest Park Historic District in Springfield MA. 

Market value:  approximately $170,000

Replacement value $567.000

My bank doesn't offer insurance at the market value; the premium for the replacement value is significantly higher.

Does anyone have a list of companies that will insure my property at the market value instead of the replacement cost value. Also, do insurance companies offer umbrella (blanket) insurance policy for multi-state properties?

Happy Holidays and thanks for taking the time to respond to these questions

Denny