Okla. Stat. tit. 60, § 60-526: Insurance

The unit owners may, upon resolution of a majority, insure the

property against risks, without prejudice to the right of each unit

owner to insure his unit on his own account and for his own benefit.

The premiums for such insurance on the property shall be deemed

common expenses except with respect to the units exempted by the

declarant pursuant to subsection (b) of Section 512 of this title in

which event the insurance premiums on such units shall be paid by

the declarant as provided in subsection (b) of Section 512 of this

title. The declarant and the council of unit owners may agree by

separate contract to insure the unconstructed buildings and/or units

under the same master policy of insurance as the council of unit

owners may have obtained for the property, as their respective

interests may appear, in which event the portion of the premiums

charged for insuring said unconstructed buildings and/or

unconstructed units shall be borne by the declarant.