Townhome Walls In Insurance

[Jose D.]

Insurance subforum looks pretty dead, figured I'd get a little more feedback here.

I'm in the process of buying my first investment property. It's a townhome, in a community with an HOA that covers the outer shell of the building.

What would be the recommended bare minimum walls in coverage I should get? Purchase price is $80k and I will only have $1-2k worth of personality property in there (appliances basically). I've talked to some insurance agents but I am worried that they may be trying to sell me more insurance than I need. 

Trying to keep it as low as possible since the HOA fees (including the outer shell insurance) are roughly $230/month.m