I am looking at different options for insurance coverage for the rental property I am planning to buy.

Specifically, my question is in regards to the HOA master policy. The agent told me that it covers everything on the inside(walls and attachments, cabinets, flooring) as well as the outside of structure, so I won't need any dwelling insurance on it.

I'm just wondering what kind of insurance everyone else carries, especially those who own rental units in HOAs.

Any help is appreciated :)