Block of Flats Insurance

Block of flats insurance is for landlords, management companies, property owners, developers, property portfolio investors and managers that own a flat (a flat is typically on one floor and within a larger building containing a number of residences) or property that has a set of rooms forming an individual residence.

No, in most instances tenants would need a contents-only insurance policy.

Yes, we can cover more than one property and will discuss with you the best way to get cover, whether that be single policy or multiple policies.

It is normal practice for a freeholder to insure the buildings but you should still take out insurance on your own flat. This would be to cover any contents (your lease may deem you responsible for covering internal walls, flooring, fixtures and fittings), your liability and potentially loss of rent.

It is normal practice for the freeholder to insure the buildings for a block of flats but you should always check this is the case.

If you are a freeholder you should pay for buildings insurance. The cost could be offset to the leaseholders as part of the service charge or ground rent.

The cover required can vary dependant on your lease or the use of the apartment but as a minimum we recommend taking out landlords contents insurance (which may include fixtures and fittings) to cover any items you’re responsible for. This product will include liability cover. You may wish to include cover for loss of rent as well which would come into effect if a tenant moves out as the result of a claim.