The 2017 wildfire season uncovered some underinsurance issues in some California insurance policies. Two bills are moving through the California legislature, but why wait? A quick call to your insurance agent with a few questions could end up going a long way towards understanding your recovery limits.
"A policy committee in the California Legislature has unanimously approved a pair of wildfire-inspired bills by Assemblyman Marc Levine requiring insurance companies to notify homeowners whether their policies are sufficient to rebuild or replace their homes after a disaster." Here is more information on the bills.
You may also want to consider putting a copy of your homeowner's policy in your go bag.