There's no broad answer that will cover every situation. That's because different policies may help protect your condo from fire (and other risks):

Your condo association's master insurance policy
Your own condo insurance policy
A neighbor’s insurance policy

If a fire breaks out, you (or your insurer) may have to pay for some damage, and the association (or its insurer) may be responsible for other damage. But those responsibilities can vary in different condo associations.

Sometimes, an association's insurance will provide coverage for a condo as it was built, including basic fixtures such as the bathtub and appliances, the Insurance Information Institute (III) says. Your own policy would then help protect later upgrades or renovations, along with your personal possessions, up to your policy's stated limits.

In other cases, though, the association's policy will only protect the basic structural elements of your condo (the walls, floors, etc.). Your policy would have to provide coverage for everything else: for instance, the kitchen cabinets, appliances, and plumbing.

The only way to really know who is responsible for what in the event of a fire is to review the association's documents, such as the declarations or master deed, bylaws and its insurance policy (ideally before you ever experience a hardship).