Some associations protect the exterior of the condo, but not the roof or the windows. Some associations protect the whole structure and the condo owners have to only protect their belongings and personal liability. It is important to have a discussion with one of our knowledgeable agents. We will take the time to understand your situation and walk you through what your policy needs to protect. Being over insured is better than underinsured, but why pay more for insurance if you will never be able to use it. Talk with an agent that cares and wants the best for you.