Scroll
SPEAK TO US ABOUT
Building Insurance for Flats
Building insurance for flats is designed to protect the structure of a flat or apartment building, rather than the individual contents inside each home. Whether you own a leasehold flat, a share of freehold, or are responsible for a block of properties, understanding how cover works is essential.
Buildings insurance for flats can differ significantly from standard home insurance, particularly where ownership is shared or responsibilities sit with a freeholder or managing agent. We help you understand where responsibility lies and arrange the right level of protection for your property.
As an experienced building insurance broker, we work with specialist insurers to arrange cover for a wide range of flat and block ownership structures. Simply speak to us about your property, and we’ll guide you through the options.
Protection for flats, apartments and blocks
We arrange insurance for a wide range of property types and ownership arrangements of property you own, we’re able to arrange cover that reflects its true value.
This can include buildings insurance for block of flats, whether the property is purpose-built or a converted building. We also arrange block building insurance for freeholders, managing agents and resident management companies, ensuring the structure is protected in line with lender and lease requirements.
Leasehold, freehold and share of freehold insurance
Insurance responsibilities can vary depending on how the flat is owned. Buildings insurance for flats with leasehold is often arranged by the freeholder, while home insurance for leasehold flats may still require contents cover from individual occupants.
For owners with shared responsibility, share of freehold buildings insurance ensures the building is insured collectively, avoiding gaps in cover. We can also arrange buildings insurance for flats with freehold, where the flat owner is responsible for insuring the structure.
Buildings insurance for houses split into flats
Converted properties require careful attention. Buildings insurance for house split into flats needs to reflect the age, layout and construction of the building, as well as the number of individual units.
A tailored block insurance policy helps ensure the entire structure is protected, rather than relying on separate policies that may leave gaps or disputes in the event of a claim.
Speak to us about your insurance needs
If you’re looking for building insurance for flats, block insurance or guidance on leasehold responsibilities, we’d be happy to help.
Fill in your details below and we’ll be in touch to discuss your property and arrange suitable cover based on your ownership structure.