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part of the Association's obligations in Section 9.2.a shall be repaired by the Association, but all such costs of the repairs will be billed to the applicable Owner. Any amounts due shall a Special Assessment pursuant to Section 6.3. The Board of Directors shall have the right to establish Rules and Regulations regarding an Owner's obligation to water the lawn within the Unit and all Units shall have an underground irrigation/sprinkler system installed. The Association may enforce an such Rules and Regulations by watering the lawn for the Owner and charging the Owner for such expenses as a Special Assessment under Section 6.3. 9.4 Damage Caused by Owner. Notwithstanding any provision to the contrary in this Section, if, in the judgment of the Association, the need for Maintenance of any part of the Property is caused by the willful or negligent act or omission of an Owner or Occupant, or their guests, or by a condition in a Unit which the Owner or Occupant has willfully or negligently allowed to exist, the Association may cause such damage or condition to be repaired or corrected (and enter upon any Unit to do so), and the cost thereof may be assessed against the Unit and the Owner responsible for the damage. 9.5 Easements for Maintenance. The Association shall have easements as described in Section 12 to perform its obligations under this Section 9. SECTION 10 INSURANCE 10.1 Required Insurance. The Association shall obtain and maintain, at a minimum, a policy of insurance in accordance with the requirements set forth herein, issued by a reputable insurance company or companies authorized to do business in the State of Minnesota, as follows: a. The Association shall maintain property insurance covering the risk of physical loss of the Common Elements and may include any additional portion of the Property that the Association is required to maintain. The policy or policies may cover personal property owned by the Association. The type and amount of any such coverage shall be determined by the Board. b. Comprehensive public liability insurance covering the use, operation and Maintenance of the Common Elements, and which may include any additional areas the Association has an easement for Maintenance responsibilities, with minimum limits of $1,000,000 per occurrence, against claims or death, bodily injury and property damage, and such other risks as are customarily covered by such policies for projects similar in construction, location and use to the Property. The policy shall contain a "severability of interest" endorsement which shall preclude the insurer from denying the claim of an Owner or Occupant because of negligent 25 Version for Council 05/22/2019