Unit Owners are responsible for providing insurance for their personal property as outlined in the Declaration. The Board may request proof of insurance . The Assocation is only responsible for repair, maintainance and restoration of the common elements and limited common elements. The unit interiors from the innermost side of exterior stud-wall, ceiling joist and roof rafter framing) i.e. drywall is inside unit) fixtures and personal property are the responsibility of the individual owners.