If you own in a strata apartment building you also need four walls insurance so you are covered if a pipe in the wall brakes or leaks reguler insurance does not cover this. I use to be on a strata board and the building we were in had this problem with one owner he thought it was the stratas responsibility if a pipe broke inside one of his unity walls. no he lost in cort. once you buy an apartment that is strata you own the pipes inside your walls. strata will cover any pipe that run down hall ways or in common areas as that is what your strata fees are for maintanence of common areas and mechanical roomsand such.

By the way four walls insurance is cheep.
Bill

Bill