Do I Need Home Insurance For A Condo? 
The type or form of coverage that you would want to discuss with your Insurance Provider is a Condominium Unit Owners ' policy . While these are similar to a Homeowners ' Policy , they differ in that the primary coverage that they provide is for your personal property and liability , not the building itself . There are elements of the policy that provide optional and custom coverage for any strtuctural or permanent cosmetic changes or upgrades that you have made such as adding crown molding , replacing flooring , installing cabinets or changing counter tops etc. . These should all be discussed in order to design a policy that best meets your needs . 