In Turkey the communal ins. issue/3rd. party liability, is not cut and dried. Each of us have buildings, and contents ins.. We share the cost of roof/ communal maintenance, but in the case of a major disaster those in the upper duplexes, would pay via their ins.. Any increase in premiums would be covered by the site.
It is a pragmatic approach until local ins. gets it`s act together. The site is approx. 50/50 Turkish, foreign.
Because we live here we can not use Intasure, who do offer 3rd. party liability, but only for holiday homes.
I am exploring communal insurance, paid through the sitesi. I will let you know what I learn. Please do the same.