MRTA and house fire insurance are 2 separate insurance.

MRTA - cover the house owner loan in the case house owner passed away.

Fire insurance - cover the house value just in case the house is damaged due to fire.

JMB is given the mandate to purchase fire insurance on behalf on all strata title proprietors, which eventually collect the premium from the proprietors later on.
So you don't need to buy extra fire insurance from bank, but this is not related to MRTA or MLTA regarding to the loan taken.