When you own a condo you are responsible for what’s inside, not your condo association. Make sure you are covered. The coverage provided by condominium associations varies significantly. Some HOA provide coverage only up to the exterior walls, some cover the interior as originally constructed and some cover as currently constructed. It is extremely important to verify the exact coverage provided by your HOA to be sure you have the appropriate coverage to protect your interests. Make sure your condo insurance is the right choice for you.