请问给Condo买rental保险，这样分配保障额度是否合理？

出租房Condo在南加

Coverage             Limits1     Premium1     Limits2      Premium2 
Personal Property    40,000      $191.71      4000         $114.01
Loss of Use          44,000      $102.56      1600         included
Pers Liability       500,000     $45.00       300,000      $25
Guest Medical        1,000       Included     1000         Included 
Bldg Property        60,000      $240.00      60,000       $240
Deductible           $1000                    $2500
Annual Premium       $579.27                  $379.01

Agent说两种deductible标准之间的保险费差价是$40~50

是Farmers家承保，我们觉得有点贵，不知道哪些项目能降低些？请大家给些建议，先多谢了！