I could be wrong but rarely do you get > replacement money from insurance. Pay $1000k for home, burn it down, get $800k from ins. You're out $200k. Or am I mis

I could be wrong but rarely do you get > replacement money from insurance. Pay $1000k for home, burn it down, get $800k from ins. You're out $200k. Or am I mis-understanding how home insurance would incentivize arson