I own a strata titled Unit (in a complex) which I rent out. The Body Corporate has a building insurance policy with Legal Liability/Public Liability cover and 'Lot Owners Fixtures and Improvements' cover. I always thought that this policy covered me: for public liability in my unit and the common areas all the items owned by me in the Unit (obviously not the tenant's personal property) I have just been informed that this is not true. The Body Corporate's building insurance policy only covers me for Public Liability in the common areas BUT NOT internal to my Unit. The policy does cover fixtures such as benches, cooktops, stoves, sinks, toilets, windows, doors, etc BUT NOT carpets, curtains, blinds, light fittings, etc. Is this true? If so, one assumes I need to obtain my own policy for Public Liability cover internal to my Unit and chattels such as carpets, curtains, blinds. I would appreciate any recommendations on insurers who provide such policies. Thanking you.