Adding Association as Additional Insured

Our Association is amending our Bylaws. The following is being proposed: a) all Co-owners endeavor to have the Associaition added onto their policy as an Additional Insured and b) requiring the Co-owner's policy to be considered primary to the fullest extent of the policy's coverage.

My insurance agent explained that my policy is writted to cover the limits I pay for and that's what they pay for regardless of any 'fullest extent' language. They never heard of a request for such language.

I do not particularly like the idea of adding and 'Additional Insured' to my policy unless required by law, as in subrogation to a mortgage.

Are these common requirements in a HOA policy?

> all Co-owners endeavor to have the Associaition added onto their policy

If that were the policy I certainly wouldn't endeavor very hard.