I've read an article in the internet about purchasing a condominium unit. The article conveys the idea that availing an insurance is the easiest way of buying a condo unit. In the article, I've found out the answer to my mother's question regarding who will give us our insurance. The Homeowners' association is the one responsible for getting our insurance. They should be liable to all areas surrounding the building. It's their duty to give us hazard and danger insurance. The catch is, the insurance provided by the homeowner's association does not include individual liability of condo units.