Who is a block of flats insurance policy designed for?

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 defined as 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.

Is this block of flats insurance policy for tenants?

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

Can you cover more than one flat or property with a block of flats insurance policy?

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

Do I need building insurance if I live in a flat?

It is normal practice for a freeholder to insure the building, 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.

Do I need to pay buildings insurance on my flat?

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.

Do you need insurance for an apartment?

The cover required can vary depending 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 a result of a claim.

Block of Flats Insurance | Block Insurance

Name: Block of Flats Insurance
Brand: Alan Boswell Group
Rating: 4.9 (1420 reviews)

Block of flats insurance or block insurance is vital for landlords or flat management companies. Flats are designed and built in various shapes and sizes and require different insurance.

Our specialist UK property team will get you the right insurance. Having a comprehensive policy tailored to your requirements will give you peace of mind and will save time and money.

The Alan Boswell Group Difference

We are specialists in the property sector and understand the differing requirements. Block of flats insurance is particularly specialist and needs an expert to take the time to understand the risks and exposures. This is where we come in. Our highly skilled individuals will walk you through the process and find you the right cover at the right price.

We also have a landlord advice hub that is full of useful information to help landlords and property owners find the advice and products needed.

How our customers rate us

Helpful, professional and friendly. I appreciated the fact that I dealt with the same person throughout.

Mr & Mrs Roberts - Property Owners Insurance

4.9/5 1420 reviews

Our NIG landlord insurance policy is a Which? Best Buy

We take great pride in being recognised for our dedication to providing the best service and comprehensive, tailored cover for our customer's needs. If you are unsure of the type of cover you need, our expert advisers are available to help over the phone.

Block of flats insurance in detail

Arranging insurance for flats is complicated and isn’t as straightforward as taking out a standard home insurance policy.

For example, as a freeholder, you are legally responsible for the property and need to take out insurance for the property (flats). However, as part of your lease, you may make the tenants responsible for insuring the flat in addition to their own tenants’ contents insurance.

If you own the freehold on a block of flats, you will need flat insurance or block insurance. Our specialist insurance team can arrange your flat insurance policy.

Cover includes:

Property insurance

With a wide definition, this can extend to include common areas such as landscaping and solar panels.

Cover includes malicious damage, theft by tenants and the policy provides protection against accidental damage to your buildings.

Business interruption

If you operate a flat management company, business interruption insurance can safeguard against financial losses, such as lost rent due to property damage. It can also cover the cost of alternative accommodation for tenants following a claim. Additionally, protection is included for risks associated with unoccupancy following a claim, ensuring your property is secure even when it's vacant due to incidents like fire or flood.

Engineering damage

Protection is provided for Heating, Ventilation and Air Conditioning (HVAC) and other types of engineering systems in relation to damage to surrounding property, increased costs of working, or repair investigation costs.

Property owners' liability insurance

This provides protection for those who run or own apartment buildings, covering costs if someone gets hurt or their things get damaged because of issues with the building.