Is Homeowners Insurance Included In Condo Fees? 
No , Condo Owner 's Insurance is not included in your fees . Generally -LRB- refer to your master association document -RRB- the Association would insure from the wall studs out -LRB- siding , insulation , roof -RRB- and will carry liability to cover the association . You need to insure from the wall studs in . That includes sheetrock , trim , cabinets , carpet , personal property and your own liability risk . Condo insurance is not very expensive since most claims happen on the outside of the building -LRB- wind and hail -RRB- . A specific area to look at is weather or not your heating and cooling equipment is covered by the assocation , or if you need to insure it . 