Condo insurance (also referred to as an H0-6 policy) covers your condo unit where your condo association insurance stops. Your association typically insures the physical structure/building and other common areas.
Things that your association's insurance likely does not cover:
Interior floors, walls, cabinets, and fixtures
Your personal property
Why do you need condo insurance?
To ensure you & your loved ones are financially protected if something unexpected happens to your condo or possessions.
Association by-laws vary, but condo owners are generally responsible for the interior of their unit, or from the drywall in.
Getting a copy of those by-laws is a good idea so you can understand what your responsibilities are in the event of a claim. We can help you understand the fine print.