The initial question was how do you insure it. Firstly, there is no obligation on your part to insure lot property. If you are concerned about damage to common property from leaks from your roof, that may be covered by strata insurance in any case. The question remain, would the insurers come after you for the cost of the repairs? I think there are so many grey areas here that your real question is “do I choose to worry about this or not?”
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