Dwelling: This covers the condo from the “walls in,” as well as any built-ins. Be sure to have your agent review how much of the structure is covered by your association, so they can tailor a policy protecting what you need while not covering things that are already insured by the association. Personal Property: Like a homeowners or renters insurance policy, this covers the possessions inside your dwelling, like your furniture, clothes, electronics, appliances, and personal belongings. Liability: Also similar to a renters or homeowners policy, this covers injuries sustained by visitors on your premises, or damage done by you, a family member or pet off your premises. Please Note: For the liability portion of the condo insurance, Tampa residents should choose limits that are equal to or greater than their savings and other financial assets. If you need additional liability coverage, consider an umbrella policy.