It isn't that unusual. This is about what I'm paying USAA for similar coverage. The reality is my apartment will probably never burn down within my lifetime. In

It isn't that unusual. This is about what I'm paying USAA for similar coverage. The reality is my apartment will probably never burn down within my lifetime. In a decade, I will have paid $600. So they only need 167 out of 168 people to make it a decade without burning their apartment down to break even.