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the Property shall be subject to and burdened with utility easements for underground general utility purposes over the specified portions of the Property described in Exhibit C running in favor of the Owners of Lots, the Association and any and all public authorities or utility companies maintaining or operating any utility facilities upon such easement areas. Such utility purposes shall include, but not be limited to, sewer, water, gas, electrical, telephone and cable television purposes, including the right to build, construct, reconstruct, rebuild, repair, maintain and operate underground sewer, water, electrical mains and telephone or television cables, and any surface connections to such underground mains, along with the right to enter upon, and open the ground for such purposes providing that all such openings shall be filled and the surface restored to its former condition. Section 5. Priority. The utility easements described hereinabove in Section 4,- are and shall continue to be superior to the driveway and private yard easements described hereinabove in Sections 2 and 3; provided, however, in the event that it shall be necessary to install, repair or maintain any utility facilities crossing any Semi-Private Driveway or Private Yard Area, such repairs and maintenance shall be undertaken so as to cause, to the extent practicable, minimal interference with the use of such areas, and any and all damage to the driveway, driveway apron surfaces, walkway or yard areas shall be repaired and the surface fully restored. Section 6. Easements PerDetual and Appurtenant. The easements described herein shall be perpetual in duration and shall be appurtenant to the Lots which are burdened and benefited by such easements. Section 7. Easement Ri2hts of Association. Notwithstanding anything herein to the apparent contrary, all the easements created herein which run in favor of the Association may only be used by the Association in connection with the exercise of those rights and obligations of the Association which are more fully described elsewhere in this Declaration. ARTICLE IX INSURANCE AND RECONSTRUCTION Section 1. Maintenance of Insurance. Any Owner of any improved Lot, by virtue of his or her acceptance of an interest therein, whether or not expressed, covenants to carry, maintain and timely pay the premium or premiums on a policy of fire, extended coverage, vandalism, and malicious mischief with all risk endorsement insurance. Said insurance shall be in an amount which is sufficient to cover the full replacement cost of the improvements located on each such Lot without deduction for depreciation or co-insurance. Said insurance shall be in the form and shall be issued by an insurer reasonably satisfactory to the Association, shall be issued in the name of the Association as insurance trustee for the owner, and shall provide that losses shall be payable to the Association as trustee and the mortgagee of record of -15-