Condo insurance (HO-6) typically covers the interior structure of your unit, including walls, ceilings, floors, built-in appliances, cabinetry, and sometimes fixtures, depending on your condo association’s master policy. The master policy usually covers the building’s exterior, roof, hallways, elevators, and shared spaces. If the master policy is an “all-in” or “single entity” policy, it may also cover original fixtures and finishes inside the unit. However, if it’s a “bare walls” policy, you’ll need coverage for everything beyond the drywall, including flooring and built-ins. Condo insurance also protects improvements or renovations you’ve made to your unit. Additionally, it typically includes personal property coverage, liability protection, and loss assessment coverage, which helps if you’re charged a portion of a shared property damage claim. Always check your condo association’s bylaws and master policy to understand what is covered and what gaps you may need to fill with your own policy.