Hi Lenore, in general, you really only have the jurisdiction to decide to purchase insurance for your personal items within a condo. Typically, the Lender requires an HO6 policy, which is designed for the owners of condos and includes coverage for the part of the building owned by the insured and for the property housed within. You may also be asked to obtain insurance that covers such specific things as the cabinets, sinks, toilets, etc.)
One of the toughest things you will face is finding out where the "line of demarcation" is for your condo. Meaning, from what specific point in the construction of the condo does liability end for the HOA's Master Policy and where your insurance starts. For example, I have had instances where exterior walls are under the HOA, but interior walls are the condo owner. In other cases, it has started at the interior face of the drywall. You should know where this "line in the sand" is.