Condominium corporations must make repairs to a unit (including fixtures and finishing) that are within their responsibility to insure. Condominium corporations are not responsible for repairs to property that they are not required to insure. Owners are responsible for all other repairs to the units, including: improvements made by the owner or property that is the owner’s responsibility to insure under the bylaws Condominium corporations must repair a unit according to its standard insurable unit description except in certain circumstances, for example:  the owner has insured improvements or is willing to pay for improvements to the unit as an out-of-pocket expense  the owner is willing to pay the costs of repairing: absent destroyed or partially damaged property (where at least one of the items is described as fixtures and finishing) the fixtures and finishing in the unit were installed below the standard insurable unit description Condominium corporations can make unit owners responsible for repairs, or arranging for and supervising unit repairs under the bylaws.