The duties to purchase insurance are detailed at Condominium Bylaws Article IV. Every co-owner should consult with their own insurance agent concerning their personal insurance needs. Generally speaking, each co-owner should investigate obtaining an HO-6 Condominium Owners Policy. Additional coverage’s will be needed beyond the insurance provided by the Association, especially with respect to alternate/additional living expenses, contents, betterments and improvements, alterations and additions and sewer back up. The Association is not responsible for cleanup or damage inside the unit caused by sewer or sump water backup. Co-owners are responsible for all basement drywall, regardless of the cause of damage. A separate homeowner policy endorsement should be purchased by the co-owner to cover this possible loss.