So DH has promised DD a cat sometime in the future 
We live in a top floor flat with a large balcony. I'm assuming no cat would be stupid enough to jump off a balcony... We have no access to a garden unless walking through the stairwell of the building. Part of the garden is communal with the rest belonging to the ground floor flats. I assume this means the cat would have to be kept indoors?
I've seen pet insurance for indoor cats is more than for outdoor. Is this because of lack of exercise? How do you ensure your cat has enough if it stays indoors?
our flat is open plan, so it would effectively only ever be in one room.