How Much Home Insurance Do I Need For A Condo? 
Condo Insurance can be tricky since often an HOA is involved . What first needs to be determined is what does the HOA actually cover . Does the HOA cover any part of the building . If so then we as agents determine what is already covered and look to fill the gaps . I can tell you that the HOA does not cover your personal liability , loss of use , guest medical and personal property so these coverage 's are needed at the very least . You will want to consult with a local independent agent to help you determine coverage 's needed for your condo policy . 