There’s got to be a more detailed document describing your general condo’s insurance. Ask for it from agent of the Hoa itself. It’s listed on the document you attached….(You should have been provided a copy at escrow time when you bought the place.)
“Property policy has 100% Replacement Cost and includes interior of units –
excludes betterments and improvements. Total of 140 units.”
So if you remodeled or made changes/additions etc, those things wont be covered.