There are two overlapping concepts here.
For the purposes of maintenance, lot owners fixtures and fittings are owned and maintained by the lot owner. An example is built in wardrobes or kitchen cabinets.
For the purposes of insurance, some lot owners fixtures and fittings are covered by the OC insurance. The common determination is, if the building is turned upside down, anything that does not fall out is covered by the OC insurance. So built in wardrobes and kitchen cabinets are covered by the OC insurance.
I don’t recall thst this is legislated, but if you refer to the PDS of your insurance policy it will be explained.
On the complementary side, contents insurance for a strata lot does not cover the afore mentioned built in wardrobes and kitchen cabinets, because it’s covered by the OC insurance.
Its just one of the mysteries of strata.