Buildings insurance query for Apartment in a Residencial
We have an apartment at Residencial Las Brisas in the La Cumbre area of Pto de Mazarron, and are trying to establish whether or not we need an additional Buildings Insurance policy. The Community is managed by Fenicios, and they have told me that there is a Community Insurance policy in place for the Residencial, however we're not clear if that is sufficient to cover us for anything that may happen to our specific apartment - e.g. if a flood or fire damaged our apartment?
We live in the UK, so only use the apartment for holidays (when we're allowed, in non-covid times!) We only have minimal furniture and belongings in the apartment, so aren't particularly concerned about any contents insurance, but need to know if we should have a separate Building Insurance policy in place.
Tanks in advance for any advice