Personal insurance

Rodger...I am reading my CC&R's for the zillion times and I have a question requarding personal insurance. Our CC&R's state that each HO at his own expense provide casualty insurance in an amount equal to the maximum insurable replacement value and all inprovements on his lot. In addition said Owner shall provide public liability in such amounts and w/such coverages as shall be required by the ABOD's w/cross libility endorsements to cover libilities of the Owners as a group. It states easch Owner covenants to kep on file w/the Association copies of the required policies. If said Owner fails to produce the copies of policies or other evidence of coverage, then the Association may purchase the required coverage and the related premiums shall be considered a "special assessment" upon the premises of such Owner....Is this common in most CC&R's and do HOA's carry out this policy? I can't see HO's abiding by this request. I know neither Assician I'm in has done this. Thanks for you input.

Thanks Rodger...but it sure is in our CC&R's for the TH I own. Now the house I live in doesn't have this...So if the unit attached to mine burns and the HO doesn't have enough coverage to rebuild, what then? It does seem strange but it also seems like a way to be sure each HO's investment is protected.