In section (b)(1), the statues says that if the building contains units that are divided by horizontal boundaries described in the declarations or by vertical boundaries comprising or located within common walls between units, the insurance would "include the units, and all improvements and betterments installed by unit owners, unless the declaration limits the association's authority to insure all improvements and betterments or the executive board decides, after giving notice and an opportunity for unit owners to comment, not to insure such improvements and betterments." So, while this is governed somewhat by statute, it depends on how the units are divided, what the policy says, and what the board and the unit owners have decided regarding insuring improvements and betterments.

In section (d), the statute says that "if, at the time of a loss under the policy, there is other insurance in the name of a unit owner covering the same risk covered by the policy, the association's policy provides primary insurance." If both the unit owner's and the association's policies do cover improvements and betterments, the association policy is primary.