Just so you people are aware....If you are paying COA fees - yes they do include insurance on the buildings, landscaping, etc. They do not provide insurance for inside your individual condo unit. You need a condo unit owner policy to cover everything from the paint in, including your personal prop. If a hurricane hits your condo complex, you are going to be responsible for all the damage inside the condo AND your condo association will assess you fees to cover the extremely high deductibles that the condo association carries on your complex. You will have some coverage from your condo unit owners policy for assessments, but most likely it is limited in the case of a hurricane. Depending on the number of units you condo has, will determine any assessments after a hurricane. I've seen assessments of 10k or more from a condo association after a hurricane and individual policy only cover 1k. You would then have to come up with 9k within a certain time frame or your association can take your condo from you. Recommend you check with your local agent on what kind of coverage you need for your condos.
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I just want you folks to know that COA dues do NOT provide you insurance for your unit. They cover the common areas and buildings - Nothing from the paint in is covered by a condo association's policy. And you will be assessed for the associations deductibles which can be in the millions of dollars for larger complexes
