Is Homeowners Insurance Included In Condo Fees? 
No . Homeowners insurance is not covered in your condo association fees . Your condo association fees will likely include coverage for common areas and for insurance to replace damage to your unit , not including upgrades or personal property inside your unit . You will need to secure coverage for additions & betterment -LRB- s -RRB- -LRB- otherwise known as upgrades -RRB- to your unit and for personal property -LRB- your stuff -RRB- , loss of use coverage and Personal Liability . Be sure to check with your local independent insurance agent and your condo association . Hope this answer helps . 