Many condominium associations only insure the building's structure and common areas which means that you and not the association will be responsible for protecting what is inside of your condo. For this reason, having a personal condominium insurance policy is very important.
If you're shopping for a condominium insurance policy, you typically will find coverages, up to the amount you select, such as:
Personal property protection
Replacement value of your primary dwelling and specified permanent attachments,
up to a specific value
Bodily injury if someone is hurt on your property
Liability for property damage and bodily injury
Damage protection from dangers, such as fire, plumbing freezes, vandalism, glass