I don’t know if you are paying too much, but I would up the personal liability to a million and perhaps increase your medical coverage.

With the 10k deductible on the HOA policy, it would be nice to have a lower deductible in force over the interior of your property, I would think. Maybe the USAA policy give that. To me 10K is too much of a risk….depending on how much it costs you of course. I like around $2,500, knowing that I do my own work and that I would be out about $1,250 + my time.