Condo Insurance is not exactly like a homeowner insurance policy. A condo policy only coves the specific parts of the condo that you own and must keep insured. If there is a master insurance policy in place provided by the HOA, you are only responsible for ensuring the structure from the studs in. In addition, you will need to ensure you have enough coverage for your personal belongings, Liability, and Loss of Useamong other things.
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