Media and finance experts talk a lot about “holes” that may exist in a homeowners’ insurance policy. Published on July 10, 2015 in Replacement cost can be the biggest “hole” in a policyFull resolution (499 × 336) Media and finance experts talk a lot about “holes” that may exist in a homeowners’ insurance policy. Media and finance experts talk a lot about “holes” that may exist in a homeowners’ insurance policy.