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Condo insurance protects your unit and the contents inside while your condo association’s master policy covers major and minor damage to common areas, which can include everything from a gym, pool, staircase, lobby, elevator, and roof to sidewalks. A Condo policy much like Homeowners insurance covers damage to your unit and personal belongings (furniture, appliances, clothing, electronics) in the event of fire, bad weather, and theft and vandalism.  If you plan on upgrading your unit, any improvements you make can also be covered under your Condo policy, including wall units, renovations, wallpaper. In addition, you’ll have Additional Living Expenses coverage if you need to move out as a result of a covered peril while repairs or rebuilding takes place. The policy doesn’t cover flood or earthquake damage – you need to buy separate policies for these hazards.