California E&S Insurance

My house is insured for $359K, the lowest amount I could choose. My deductible is $10k, the highest amount I could choose. If I were to switch to a $5k deductible, it would cost $11/mo more; $28/mo more for $2k deductible. This is with USAA. I would rebuild the house myself if needed, so I am not concerned with a high deductible and low insured amount.

{
  "thread_title": "Will home insurance become so uneconomical/awful it makes sense to self-insure?",
  "scrape_method": "beautifulsoup"
}