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Do we have a communal building insurance so we only need an insurance for indoore equipment?

Do anyone have some experience with some insurance companys price level eg.

Kind Regards

Ove Holm

I was asked to clarify what is covered by the community insurance and what insurance we as owners need. It is quite complex but the situation is this:
Th structure of the buildings is covered by the community insurance. However the plumbing etc in each apartment is not so if the apartment above mine had a water leak the community insurance would repair any damage to my apartment but not the burst pipe or water heater. If the water damage was accidental (you left the bath tap open and the plug in) the community insurance would repair the structural damage but claim the cost back from the owner (or his insurance if he was covered).
So we need to have our own contents insurance, sufficient buildings insurance to cover kitchen, bathroom, plumbing etc and I will also be asking about accidental damage insurance when I renew.