Direct answer
Yes, you generally still need an individual condo policy to cover your personal belongings, liability, and any interior improvements or fixtures not covered by the association’s master policy.
State-level condominium insurance regulatory requirements and master policy definitions. For additional information about how state laws govern insurance standards, see the National Association of Insurance Commissioners‘ regulatory resources.
What this means for you
Yes, you generally still need an individual condo policy to cover your personal belongings, liability, and any interior improvements or fixtures not covered by the association’s master policy.
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