(Supreme Court of California) – In an insurance case addressing the Insurance Commissioner’s 2011 regulation covering replacement cost estimates for homeowners insurance, Cal. Code Regs., tit. 10 section 2695.183, which addressed the divergence between homeowners’ expectations of insurance coverage and the actual scope of coverage on their dwellings, the Court of Appeal’s judgment invalidating the regulation is reversed where the Unfair Insurance Practices Act, Ins. Code section 790.10, supports the Insurance Commissioner’s 2011 regulation.