Is Homeowners Insurance Needed For A Condo? 
A Homeowners Insurance policy includes coverage for the Dwelling structure itself , your personal property and Liability exposure . This is a form that is needed if you own a single family home for example . However , as a Condo Unit owner , in effect you own the space within the walls of your unit and not the actual structure itself . In this case , you should talk to your Insurance Professional about the purchase of Condominium Unit Owners ' policy . 