BUILDING INSURANCE
Block of Flats Insurance
Block of Flats Insurance
Block of Flats Building Insurance provides specialist cover for properties. Standard building insurance policies rarely covers all the necessary requirements for a block of flats, so we can work with you to create a comprehensive block insurance plan to meet your property’s requirements.
Block of flats insurance is a specialised type of property insurance designed to cover residential buildings divided into multiple flats or apartments. It’s typically arranged by freeholders, landlords, or management companies responsible for the building.
This insurance provides comprehensive protection for the structure and communal areas of the property, safeguarding it against potential risks such as fire, flood, storm damage, vandalism, and subsidence.
Since multiple residents live in the building, block of flats insurance ensures that all shared parts of the property, like hallways, roofs, lifts, and stairwells, are adequately protected under a single policy. This streamlines the claims process and eliminates the need for individual building insurance policies for each flat owner.
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Reliable Protection
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Solutions at
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Every situation is different, and your insurance should reflect that. Let’s connect and talk through options built with you in mind.
Tailored Solutions for Every Renovation Project
Property Damage
Communal Areas
Property Owner's Liability
Accidental Damage
Terrorism
Legal Expenses
What Can Block of Flats Insurance Cover?
It often extends to cover communal contents, such as furnishings in shared hallways or lobbies. Additional coverage options can include alternative accommodation costs if residents must temporarily relocate following an insured event, property owners’ liability to protect against claims for injury or damage occurring on the premises, and loss of rental income if flats become uninhabitable.
More comprehensive policies may also cover accidental damage, terrorism, legal expenses, and employer’s liability if staff, such as cleaners or porters, are employed. Tailored solutions ensure that landlords, freeholders, or management companies can protect their investments while meeting their legal obligations.
Solutions at
Every Stage
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Insurance isn’t one-size-fits-all. Let’s explore options designed to match what matters most to you, with flexibility and clarity every step of the way.
Your Questions, Answered
Block of Flats Insurance provides comprehensive coverage for the entire building, including individual flats and communal areas, protecting against risks like fire, flood, and accidental damage. This ensures financial protection for owners, avoiding costly repairs or rebuilding expenses.
Typically, the freeholder or management company arranges the insurance. In some cases, a Right to Manage (RTM) company formed by leaseholders may handle it.
It covers the building’s structure, including walls, roofs, and communal areas, as well as external features like car parks and gardens. Protection includes risks such as fire, storm, flood, accidental damage, and vandalism. Optional add-ons like terrorism insurance and legal cover can be included.
Providing false information, failing to meet security requirements, and not adhering to policy conditions can invalidate the insurance. For example, breaching an alarm warranty during a theft or not securing doors and windows properly can void coverage. Comply with all policy terms to maintain coverage.
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Brown & Brown Insurance Brokers (UK) Limited is authorised and regulated by the Financial Conduct Authority (Reference Number 745618). Registered in England & Wales with number 09850559. Registered office: 7th Floor, Corn Exchange, 55 Mark Lane, London, EC3R 7NE