Tom, if you're ever involved in a shooting, this statement will be used against you in court and no liability insurance policy anywhere will provide coverage for you no matter how legit the shoot when this statement surfaces.
Some things you never ever put in writing even if you think it's on an anonymous gun forum. You shoot someone and prosecutors will conduct discovery and find every online post you have ever made and use it against you.
Yup
The HOA condo fee most certainly does not include homeowners insurance. The HOA fee includes the Condo Association Master Insurance policy that includes coverage for the physical structure of the building and liability for the Condo Association or HOA only. It may or may not cover the interior walls, flooring, fixtures, improvements & betterments of your unit depending on the Condo Association Agreement. Many Condo Associations do not cover from the "studs in" meaning the unit owner is responsible from the interior surface of the studs, anything above the surface of the basement floor and anything below the inside surface of the roof. This means the unit owner is responsible for the interior walls, flooring, fixtures, permanently installed cabinetry, major permanently installed appliances including boiler/furnace, HVAC, etc. (if each unit has their own HVAC as some do). Also, many associations make the unit owner responsible for any improvements & betterments which means any added walls, upgraded flooring, cabinets, countertops etc. might not be covered by the association policy even if the association covers from the "studs in". The association agreement will specify what the Association is required to insure and what the unit owner is responsible for in the event of a loss The Condo Association usually doesn't require the unit owners to carry their own insurance and if there's a total loss, the unit owner may be looking at a rebuilt unit which is essentially rough framed and they're responsible for the rest.
The Condo Association policy doesn't cover your contents or your personal liability and should never, ever, ever be considered as homeowners insurance for the unit owner. A typical Unit Owner's policy (also called an H06) usually costs around $200-$300 and rarely goes over $400-$500 unless you have a lot of contents coverage or you need to cover the entire interior.
I write a lot of condo association master policies and I always include an "all-In" endorsement which supersedes what the condo docs say, this way the Master Policy covers walls, fixtures, flooring, improvements & betterments. Also, most larger condo associations have deductibles in the $5k-$25K range which the unit owner is responsible for (even if it has all-in coverage).
Sorry, don't mean to hijack the thread and tried to make this as brief as I could.