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200500497 any Lot, parking areas, street or Common Area in the Properties. Section 10. Storage/Placement of I.ems. No garbage cans, clotheslines or clothes hangers may be placed on any Lot or used unless completely concealed from view from any adjoining Lot and unless they are located only by the private patio approved by the Association. Section 11. Wood Piles, Woodpiles shall be located within 20' of the outside perimeter of Park Gardens. Section 12, Garage Doors. Garage doors shall remain closed at all times except when being used for movement of vehicles or other items in and out of such structure, ARTICLE VII INSURANCE Section 1. Coverage. The owner of each lot shall obtain and maintain the following coverage: a. Property insurance on the buildings and improvements, including fences on the lot owned by the Owner, including all risks of direct physical loss commonly insured against. The total amount of insurance after application of any deductibles shall not be less than the valuation of the buildings for that given year as set by the Hall County Assessor's Office, and Section 2 Provisions. Each Owner shall notify and certify to the Association compliance with the aforementioned coverage and changes. Section 3 Insurance by Association. The Association shall not be prohibited from carrying other insurance for its own benefit. Insurance coverage on signs and other personal property belonging to the Association and public liability coverage within the property shall be the sole and direct responsibility of the Association itself and the Owners shall have no responsibility thereto. Section 4 Notice. The insurers that have issued the insurance coverage pursuant to Section 1, shall issue certificates of insurance to the Owners and copies to the Association. The insurers issuing the policy shall not cancel or refuse to renew it until thirty (30) day after notice of the proposed cancellation or non - renewal has been mailed to the owner, the Association, and each mortgagee or beneficiary under a deed of trust at their last known addresses. in