Danielle, unfortunately, when you phone a large organisation, the person who answers the telephone, or even the first person you are referred to, is usually not an expert in the area.
You said previously you have Strata Title and you should be able to check if that is so by getting back to your conveyancer or solicitor and asking.
Someone has your Title Deed. It could be a bank, or your solicitor, or you may have it in your house. Ask for a copy so when asking questions you get the correct answers for your situation.
I think you are getting conflicting information because you do not seem to be sure of Title.
I am pretty sure you can not just decide to go with whatever is easiest for you.
If you have separate Titles then you do things separately.
If you do not have any insurance it is really important to get cover quickly.