Flats & Residential Property Insurance

  • Damage to property insured against Fire and additional perils of Lightning, Explosion, Aircraft, Smoke, Earthquake, Subterranean Fire, Spontaneous Fermentation, Theft, Riot & Commotion, Malicious Persons, Storm or Flood, Escape of Oil or Water, Impact by Vehicles or Animals, Breakage or Collapse of Communication Aerials, Subsidence and Accidental Damage.
  • Contents of common parts including: furniture, carpets, curtains, equipment and tenants’ improvements up to a limit of £25,000 – can be increased
  • Contract Works
  • Damage caused by Falling Trees
  • Accidental Damage to Underground Pipes or Cables plus up to £5,000 for loss of Metered Water
  • Current re-building cost enhanced by 33.33% to cover post-loss inflation
  • Capital Additions, up to 10% for extensions/alterations
  • Trace and Access costs for locating the source of damage caused by escaping water
  • Damage to Landscaped Gardens by Emergency Services
  • Loss of Rent or Alternative Accommodation (including pets), 33.33% of Building Sum Insured
  • Glass Breakage
  • Employers’ Liability – Indemnity Limit £10,000,000
  • Public Liability – Indemnity Limit £10,000,000
  • Cover for Unoccupied Flats – subject to reasonable precautions
  • Helpline for Claims Assistance/Emergencies
  • Legal Expenses

This is a Summary of the cover and is subject to normal acceptance criteria and the conditions and exclusions of the Insurers’ Policy. A full policy wording is available on request.

Lansdown Insurance Brokers in partnership with Allianz, Ecclesiastical, Covea, and RSA.