"Coverage A (Dwelling) applies to the structure you inhabit. This would cover the dwelling, attached structures (such as a garage) and permanently installed property (such as wall-to-wall carpeting)."

"Coverage C (Personal property) applies to the content of the dwelling. There are dollar limits on specific items that you should be aware of because if your property exceeds these amounts, or no amount is specified, you should cover them for an agreed amount."

I'm getting condo HO insurance quotes from different companies but i dont understand one thing: does HOA master policy cover bathroom vanities, appliances, and kitchen cabinets? If not, then does Coverage A Or Coverage C cover it? Because im not going to insure the condo for dwelling for $40k if the HOA master policy is going to cover it, that would be a waste of $$$, right?