If you are just starting, you will need to get condo insurance that covers items that are not included in the insurance your condo association currently has. How much insurance you can expect, though, depends on the condo community you're in. If your condo community doesn’t insure anything but the structure of the building (or worse, doesn’t insure anything for you), you will need to get insurance the covers the value of your condo, as well as coverage for all your possessions, and liability insurance. If our condo HOA has insurance for the structure of the building, then you probably just need to get a solid walls-in policy to protect your personal belongings. To find out the type of coverage your HOA has, check out your condo’s bylaws handbook. The information should be in there.