Buy Home Insurance

Do I still need to buy home insurance if I have HOA that covers common area.?
This is in Bay Area.

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can u buy home insurance directly from the company?
is there a way to buy the home insurance directly from provider than going thru the agent ? Especially in FL, where the home owner's insurance is rising thru the roof

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Which companies offer insurance for individual items such as laptops, iPods, cell phones, etc?
I'm looking for US insurance companies that offer this service - i.e. instead of buying home insurance to cover everything, to buy insurance just for individual items.

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YouTube - agenciesonline Channel: Agencies Online

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