Insurance for Short Term Rental that allows aluminum wiring w/ replacement cost value

[Trisha Brooks]

I'm struggling to obtain insurance on a new short term rental property purchase in IL. The property was built in 1949 and has aluminum wiring. There have been some updates and everything is in good working order but the mere existence of aluminum wiring combined with the fact it's a short term rental have made obtaining insurance a significant challenge. I was able to find a policy, but they won't provide replacement cost value, only ACV/full repair. This is more than enough to cover the mortgage, but the mortgage company will not accept it and is requiring replacement cost. Has anyone had a similar issue and been able to find an insurance provider?