My insurance, let's say, is only up to $50,000 but let's say the expenses are $100,000 and I don't have the money to pay for all that. PLUS I might not be able to stay there while it's being fixed.
These are problems for which the best solution almost certainly lies in choosing the right insurance, so unless you hate living in your condo and are ready for a change anyway, instead of selling your condo I recommend doing some comparison shopping for insurance policies, looking for the combination of features and cost that best meets your needs.
First of all, know that there are actual-cash-value policies and there are replacement-cost policies. I chose replacement cost, which is what the best financial advice columnists also recommend. Yes, the premium is higher, but you are guaranteed to receive enough money to rebuild your home.
Second, reimbursement for living expenses while your home is being rebuilt is a commonly-available option with homeowner's insurance. Typically it's time limited (to, say, no more than 6 months), and it does come with some increase in your premium. You decide whether it's worth it to you; if you have family or friends who will probably take you in at little or no cost, maybe you don't need this coverage.
Third, homeowner's insurance virtually always comes with coverage for your personal effects such as furniture. It's usually set at a percentage of the main coverage limit (two common options you can choose from are 60% or 75%). Certain types of items (typically very expensive things like fine art and fine jewelry) may be excluded and require coverage under a separate rider; read the fine print of your policy to see what it says about that.
If you are unhappy with how high your premium is after you select replacement value and living expenses coverage, ask what your premiums would be if you increased your deductible. Raising a $100 deductible to $500 or even $1000 can have a significant effect on your premiums.
One final thought: an increase of, say, $120 a year in your insurance cost is really not much money when you think about it. It works out to $10 a month, or $2.31 a week, or $0.33 a day. Yes, it's always annoying when you have to pay more money for the same thing, but uprooting yourself from a life you like just because of that doesn't seem like the best choice.