- Insurance Broker of the Year 2025
- Which? Best Buy
- UK-based in-house claims support
Freeholder Insurance
Our freeholder insurance covers the whole structure, the communal areas, and your liability to leaseholders, tenants, and visitors. Get a quote online or speak to our UK-based property owners team.
- Residential, commercial & mixed-use freeholds
- Employers' liability
- Loss of rent and ground rent
- Add optional extras
Building insurance for freeholders
If you own the freehold, insuring the building is almost always down to you. Most leases make it the freeholder's responsibility to insure the full structure for its reinstatement cost, keep the cover in force, and recover the premium from leaseholders through the service charge.
We arrange cover for purpose-built blocks, converted houses, mixed-use buildings with flats above shops, and share of freehold arrangements. As a Which? Best Buy provider with over 40 years' experience in residential let property, we'll find the policy that suits your circumstances.
Insurance that suits you
Block of Flats Insurance
A comprehensive flat insurance policy tailored to your requirements will give you peace of mind, talk to one of our specialists today or get a quote online
Multi Property Landlord Insurance
Multi-property landlord insurance for your residential and/or commercial property portfolio.
Commercial Landlord Insurance
Commercial building insurance for landlords from a market-leading broker. We'll search the market and compare quotes so you can choose the best insurance.
Listed Building Insurance
Specialised and tailored support to ensure you obtain the most suitable insurance policy for your beloved property.
Add extra cover
Enhance your freeholder insurance with our optional extras, including directors and officers cover for the board of a residents' management company, terrorism cover where the lease or mortgage requires it, statutory inspection for lifts and communal plant, and legal expenses cover for service charge and lease disputes.
Directors’ and Officers’ Insurance
Directors’ and Officers’ Insurance (D&O) covers the cost of compensation claims made against your business’ directors and key managers (officers) for alleged wrongful acts.
Landlord Liability Insurance
Landlord liability insurance keeps your tenants, or anyone employed to work on your property, safe.
Engineering Inspections
Learn more about our engineering inspection services, including performing and recording mandatory inspections of certain types of plant and equipment.
Landlord Legal Expenses Insurance
Legal expenses cover for tenancy disputes and repossession of the property, including access to a 24/7 legal advice helpline.
Our landlord insurance policy is a Which? Best Buy
Cover tailored around your property
Building cover
Property owners' liability
Employers' liability
Loss of rent and ground rent
Alternative accommodation
Communal contents
Trace and access
Unoccupied flat cover
Professional fees and debris removal
Comparing policies
When comparing policies, make sure you compare on a like-for-like basis. Cheaper premiums are often achieved by restricting cover, increasing excesses, or applying a lower sum insured than the building would actually cost to rebuild.
The most common problem we see on freehold buildings is underinsurance. The sum insured should be based on a professional rebuild cost assessment covering the whole structure including, communal areas, not the market value of the building. If the sum insured is too low, insurers can reduce a claim settlement in proportion.
Also check how the policy treats flat roofs, non-standard construction, the percentage of the building in commercial use, and any outstanding building safety or external wall issues, as all these affect both price and acceptance.
More than one freehold?
If you own several freehold buildings, or a mix of freehold blocks and individual rental properties, a portfolio policy is usually simpler and cheaper than insuring each building separately. Speak to us on 01603 216399 to find out more.
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Get in touch
Whether you need a quote, have a general enquiry, want to register a claim, or talk it through over the phone, we're here to help.
FAQs
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