There is insurance you have to pay the association for protection of the common ownership areas in a condo that should cover all needed repairs. The insurance does not cover areas such as the contents of your unit and the furnishings/appliances installed within for they are your responsibility. All personal property within the home is your responsibility and all those outside such as the pool, pathways and parking structures all fall under the associations policy of cover. Anything that breaks or malfunctions should be addressed by the association to maintain the habitability and even the safety of support structures and facilities. Be sure to clarify them with your insurance as well as the provider who is handling the cover of the grounds. This would allow you to determine whether you’d have to file a personal claim or ask the association to do such for the good of all. Avoid general policies and have the insurance evaluate your needs for a policy that covers you from top to bottom.