Condo insurance provides coverage for your unit where your condominium associations insurance stops. Your association typically insures the building and other common areas. You are responsible for the interior of your unit. Typically you need personal property and liability coverage. In addition to coverage for your floors, walls, cabinets and fixtures that your associations insurance probably will not cover.
Every associations insurance policy is different regarding what each unit owner is responsible for, so it is important to review your association policy and condo by-laws carefully.