I can empathize with the fact that hearing someone say that is the rule is no way of addressing a legitimate concern.

THe facts are that cost of rebuilding are hire than you might think. USAA rates have gone up since they started accepting enlisted. Your best bet is to shop around a little if your concern is the premium. I would not look to alter the coverage limits.

Your other option for reducing the premium is to go with a higher deductible.