Ive got a Condo I won and Condo insurance. Did not have it until recently when I switched to AAA Insurance and realized I could add it and my Wife to my insurance for almost no increase.
I might not have gotten it, but a week earlier I had been told that my complex has an issue of Water Pipes Breaking, and was told that the HOA only covers the structure, even if it is their pipe that ruins the carpet, furniture, kitchen cabinets, etc. I was thinking about it a few days later when the neighbor right next to me had their pipe break and destroy their entire kitchen. It took 30 seconds to make that call. $250 for the Year, and ive got 65k Coverage.