You may have to contact more than one insurance agent and/or broker to find the exact coverage you want. Many agents will want to steer you to a product they carry regardless whether it fits your exact wants. Be prepared to move your investigation to an insurance brokerage that deals with many different insurance companies and who is willing to custom build your policy for your needs.
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Many insurance companies look at the value of the home and compare it to the damage. If the damage is greater than 50% then you could not rebuild - if it's a non-rebuildable property. If it is a rebuidable property, the footprint or where you can replace your foundation may move. It is important to make sure the value of your home is accurate through an appraisal. Some have new appraisals every year and file that with their insurance provider. The higher that value, the higher that 50%