True or False: The GCA's insurance covers personal belongings of the owner or upgrades they have made.

In the context of community associations, the insurance policy held by the Georgia Community Association (GCA) typically does not cover the personal belongings of individual owners or any upgrades they may have made to their units. This insurance is primarily designed to protect common areas and the association's assets, rather than the individual units or personal property contained within them.

Each unit owner is responsible for securing their own insurance policy, commonly known as HO-6 insurance, to cover personal items and upgrades. This type of policy provides coverage for personal property against risks such as theft or damage, as well as liability coverage within their unit. Therefore, the assertion that the GCA's insurance covers personal belongings or upgrades made by the owner is false, making the correct answer B.

This distinction highlights the importance of understanding the scope of the association's insurance coverage and the additional responsibility placed on individual owners to protect their investments.