In the USA, the Condo Association buys insurance on the building and grounds and the individual apt. owner buys insurance covering the interior walls and ceilings, their personal contents and liability (ie. renter hurt when stove explodes). Does anyone buy the individual apt. policy or is it cost prohibitive, not available or unnecessary? I checked with one agent and they acted as if I was talking about something they had never heard of before which leads me to believe that individual apt. owners rely solely on the condo association policy and don't buy individual apt. policies in D.R. Am I correct?