Congratulations on your new home. Hunters Creek is a great area. It sounds as though you have already closed and several things need to be clarified. If you purchased your unit using a mortgage the lender would have required that you obtain insurance on the unit before closing if the HOA did not have insurance. More than likely (you need to confirm this) the condominium association has insurance in place that is paid for using your dues for the unit itself, not including the contents (drywall, carpet, appliances and your furniture). If you purchased using all cash, then you will need to check w/ the HOA as above. Call or email me personally and I will be happy to share insurance companies I've recommended to my clients in the past. When comparing insurance make sure not only to compare rates but also coverages as lower rates don't always compute into equal coverage.