The monthly homeownersâ€™ association fee paid by a condo owner generally covers the insurance for the property plus additional coverage provided by the master insurance policy carried by the HOA board/management. You should have an additional policy to cover interior improvements, personal property and personal liability.
Owners generally do not buy flood insurance unless it is required by their lender. That is not common in Ardenwood.
Earthquake insurance, if not provided by the HOA, is not a requirement but is an option. After allâ€¦we do live in earthquake country.
The best person to talk to about insurance is, of course, an insurance agent or broker.