A client asked us:

Does the condo insurance cover the interior of your condo? -- this one I will probably be able to figure out from the condo docs, but if you knew off the top of your head that would be great.

Our reply:

The master insurance, which is part of the condo fee, is similar to homeowners insurance and in 99% of cases covers the building and unit, but not improvements inside the condo. ( Inside improvements are Kitchen appliances, wood and tile, counter, personal items, etc.) You would still want to purchase insurance that would cover interior improvements and personal content ( clothing, furniture) and accident liability normally referred to as a Condo owners policy.