Your first step should always be to go over your condo association's policy to discover what is (and isn't) covered. That way, you'll know what you should cover in your personal insurance plan, and for how much. Hopefully, the documents provided by your condo association will state in clear language the responsibilities of the owner and association, respectively. Don't be afraid to ask questions to get clarification. In general, master policies fall somewhere between all-in or bare walls-in. All-in insurance for a condo unit will cover things originally built into the unit (usually any changes made to the unit will not be covered under the association policy), such as interior walls, wiring, plumbing, fixtures, and cabinetry. Bare walls-in policies will not cover the aforementioned items; everything within the unit is the responsibility of the owner.