After every California wildfire episode, we hear the sad stories of the people who cannot rebuild their houses because their insurance amount was less than their replacement cost.

A while back, the California Department of Insurance gave all the insurance companies hell for allowing these conditions to exist.

So now, all the insurance companies, not just USAA, are supposed to be trying to prevent “under-insurance”.

Another case of the self-reliant people with a workable plan being constrained by government rules put in place to protect people who can’t take care of themselves.