Blocks of Flats Insurance

We’ve been advising on Blocks of Flats Insurance for nearly 20 years – so you can rely on our knowledge and expertise.

Whether you’re a leaseholder, freeholder or management company we can provide you with advice on the best bespoke Blocks of Flats Insurance (also known as Block Insurance) for you.

Our experienced team of experts can help answer any questions you may have. We can arrange for insurance for apartments as well as for converted houses and purpose built blocks.

We work with a leading panel of insurers to give you access to specialist, comprehensive cover that is designed for your needs.

Insurance for blocks of flats can include:

• All risks including building insurance for flats
• Above average limits of liability
• Loss of rent and alternative accommodation
• Directors & Officers Cover
• Flexible occupancy

Plus – our flat insurance policies are issued in house so you get a fast and efficient personal service.

Do you own or manage a block of flats or apartments? If so, it’s critical that you have the right specialist insurance you need. Standard buildings insurance policies simply won’t provide you with adequate cover.

Block of Flats insurance is a specialist type of insurance designed to give you the protection you need. For example, if your building has a lift, this will have additional insurance requirements.

Normally the landlord would pay for the insurance, but this is an agreement made between the landlord and the tenant.

Our contracts cover damage by all risks. To ensure the property is insured adequately, a professional valuation will be required. We can also help with this.

No, however it may be a requirement of a mortgage to have the property insured. In addition to this, insurance policies of this type cover your legal liabilities and there is legislation in place, which puts specific requirements on the flat owners.

This would cover intentional damage by a tenant to the fabric of the building and/or it’s fixtures or fittings (excluding contents). For example, a tenant maliciously damages a fixed hob or a door.

Yes, we can offer cover for this. Details of the work and the duration would need to be provided and cover would normally be restricted whilst the work is in place.

With our panel of insurers we can offer a range of excesses. The higher the excess, the lower the premium.

We have access to a panel of insurers and will shop around to obtain the best price. In addition to this, an increased excess as well as a well managed property can help keep your premium down.