The association in which your condominium unit is located has insurance that covers the building and surrounding areas, but you are responsible for the interior. This means that, typically, you would want personal property coverage and liability coverage to cover your personal belongings and cover yourself in the event that someone is injured inside the unit. Still, it is a good idea to familiarize yourself with your association's policy on what you are responsible for and where their coverage ends. As always, we are here to help you through the process to make it a smooth ride.