@Garbla said:
If possible, as an owner occupier take out contents insurance with the same company with which the OC has the building (common property) insured & check with the insurance company that there is nothing excluded from both policies. Be careful about bathrooms, kitchens & the like which are not original (& hence not included in common property).
You misunderstand the concept of Strata Insurance because in Strata insurance their is no common property and lot property it’s just insured property and it’s irreverent whether it’s lot or common property.
If you owned a townhouse that burnt to the ground would you expect the strata insurance just to rebuild the external walls and roof with no internal doors or walls or fitting (all lot property).
If the house burnt down the strata insurance would do a total rebuild including all the fixtures and fitting (including fitted bathroom and kitchen even if they were not original).
Don’t confuse Strata liability to do repairs with repairs due to an insurable event because they are not the same thing.