Which Property Insurance? (South Florida Area)

[Lance Lvovsky]

I see there are many different types of property insurance available. I am in south florida and looking to insure one of my rental properties. It is a townhouse if that makes a difference. Does anyone know what is typically covered by the HOA's insurance policy?

Any good sources/articles I should read that can better inform me of the different types of insurance coverage available? 

Thanks in advance!

[Wayne Brooks]

Your HOA doc.s will tell you who is responsible for the roof. With fee simple townhouses it can go either way.