Condo associations insure your "outside."
You have to insure your "inside"

If you own a condominium, your condo association probably has a master policy that insures all the property and common areas that are collectively owned by the unit owners. These policies usually cover the actual structure of your home, so you don't need to purchase this coverage separately.
However, a condo association policy doesn't cover your personal property or your legal responsibility and may not cover improvements or custom work on your unit.
Our condominium program is designed to protect your prized possessions, protect you against any personal liability, and provide assistance should your home become damaged or unlivable.

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