Actual Cash Value estimate

[Ken K]

Might anybody venture an estimate on this? . . .

1) a 60 year old house in dated but reasonably good condition is purchased for 75K

2) the insurance agent's system determines that the correct replacement cost value for that square footage in that location is 190K

3) it's insured for 190K, but with Actual Cash Value coverage

What amount might be paid by the insurance company if it was a total loss shortly after it was purchased?

Any opinions would be much appreciated. Thanks.

Ken