Blocks of Flats Insurance

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

Our contracts automatically cover fixtures and fittings (i.e. fitted kitchens, bathrooms and wardrobes). Any personal items, furniture etc would need to be covered under a stand-alone contents policy, which we can also help with.

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.

Insurers recommend a block should be surveyed for valuation purposes every 3-5 years.

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.

If the property is uninhabitable due to an insured event i.e. fire, the loss of rent section will compensate the landlord for rent they are unable to collect whilst the damage is repaired.

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, however, always check with us first as cover can be restricted.

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.

We can insure multiple blocks of flats under one contract.

Yes, escape of water and ingress of water would be covered under our contracts as standard.

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

The price is dependent on various elements such the construction and rebuild cost of the property as well as claims history and occupancy.

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.