Ok, that means if "theoretically" damage occurs. For example, your visitor falls down. Who is then theoretically liable? Your visitor will not be interested in how rights and obligations look like, they will demand compensation for their damage. But if you only have rights, why don’t you bring up the point in the owners' meeting? Let the owners pay.
Exactly, that’s what I meant.
The owners' meeting also came to my mind earlier. Since the whole fence consideration is relatively new, I wasn’t clear about many things yet. First of all, the legal side, i.e., what is required. The objection here regarding the insurance was very interesting and helpful; before, it only occurred to me casually. Although I thought, if it is not legally required... is it really the case that the insurance can still refuse payment? Of course, the injured party does not really care who pays. However, the owners will not approve a fence, at most only if I pay for it entirely out of my own pocket. Pointing out the insurance risks will not help. By now I know the people here too well for that. There have been (unfortunately) clearer matters that would have been directly useful to everyone or even partly necessary, and even those were rejected because most did not want to pay. They prefer to take the risk rather than invest even 50€. Nevertheless, I definitely want some kind of security, preferably a double rod panel fence. In the end, the greatest risk is for my family and our guests. Otherwise, realistically, hardly anyone ever enters the garden. As I said, we also paid for the hedges ourselves, even though we technically didn’t have to. They have thus become part of the common property... but what choice do we have if we want it nice (and safe).