As a condominium owner, you have different insurance needs compared to your typical homeowner. A condo owner has shared ownership to the common areas that their association fees cover along with the outside of the dwelling. What that does not cover is the interior of the condo and your contents.
Condo insurance gives your protection when the association insurance does not. It will protect your personal property along with the inside walls of the condo. It also gives you liability coverage and medical payments in case someone is injured on your property.