Hello allimal,
Thought I would try and answer a few of your Questions.
Our apartment is in phase 3 block 1. The mains water is fed into each portal in the block, you will find a closet in the hallway for water isolations. There is manifold with isolation valves to each apartment in that portal, also there is a commom isolation valve to shut them all off.
I do not think the water is metered you just pay a standing charge.
As far as I can tell each apartment as a direct electric input with a consumer board in each apartment and the electric meters being in a room in the basement with additonal isolations for the block.
Re: The building insurance you must get ot your own for your apartment, our mortgage provider sorted ours out but I will be shoping around next time .
I think the community will be responsible for the drains in each phase for blockages etc. Once Arenal has fully handed over the development.
We are still finding our feet and any problems are going to take a while to sort out, one thing I must say is that the quality of the work is very good and they are getting on with our snaging fairly quick.
Our second bedroom is also quite small but I think you have to make the best of it and look at the big picture! going back next week any info I can gleen I will let you know.