Thanks for the replies Wake and Sonja.

My sister’s solicitor told her that she would have to go half in the building insurance with the owner of the other half of the duplex. She spoke to the Real Estate agent and he is going to get the policy off the current owners. They are currently with GIO I believe. Originally, the estate agent told her that she could insure her half separately, but it seems her solicitor said otherwise.

Thanks again for the replies – I will pass on teh information.