Insurance When Your Home's a Piece of History

A home in Massachusetts has been in the same family since it was built in the 1600s -- less than 20 years after the Mayflower landed. Though nearly four centuries have passed, one room in the home remains just as it was in the 1600s, with the same hand-hewn floorboards.

There are special -- and more expensive -- historic-home insurance policies to protect houses such as this. But they vary in what they'll pay for. You might be able to replace 1775 windows with something close to the real thing, or just historic look-alikes....