The whole building
Discuss the reinstatement value, structure, shared areas and any mixed residential or other use.
Specialist UK insurance broker
Block of Flats Insurance
A shared building.
One considered policy.
For freeholders and management companies, from converted houses to purpose-built blocks. We help you consider the whole building, shared areas and the way the flats are occupied.
Personal advice · Mon–Fri, 9am – 5.30pm
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Independent reviews
FCA regulatedProperty Expert Ltd · FRN 615253
What is block of flats insurance?
Block of flats insurance is designed to protect the building and, where included, communal contents and associated liabilities. The Home Insurer helps freeholders and management companies compare suitable policies for converted and purpose-built blocks through a limited panel of specialist insurers.
Communal contents & liability
Ask about contents in common areas and the relevant property liability cover, checking limits and exclusions.
Additional protections
Discuss loss of rent, legal expenses, terrorism and directors’ and officers’ cover where required and available. These are not automatically included in every policy.
Cover is subject to underwriting, policy terms, limits, conditions and exclusions. Your quotation and policy documents confirm what is included.
Before we talkThe details that help
The details that help
us get it right.
- The freeholder or management company arranging cover.
- Number of flats, floors, construction and whether purpose-built or converted.
- The rebuild or declared value, occupancy mix and claims history.
- Lifts, fire precautions, shared facilities and any non-residential use.
Get the declared value right
Some policies use a declared value with a day-one uplift. The uplift does not remove the need for an accurate starting valuation. Ask us how the quotation handles inflation, reinstatement, professional fees and communal contents. The insured entity and interests should also match the ownership and management arrangement.
Check the cover, not just the price
Individual residents’ possessions are not automatically insured by a block policy. Check communal contents, liability, loss of rent and additional covers separately. Limits and eligibility vary between providers.
Cost & comparisonWhat affects
What affects
your premium?
The block’s rebuild value, size, construction, occupancy, facilities and claims history influence the price. A useful comparison identifies the underlying declared value, uplift, excesses, liability limits and extensions rather than only the premium.
Send us your renewal terms if you have them. We can compare the cover, excesses and conditions with the options available through our panel and explain our recommendation.
People you can speak to
Tom Chapman
Head of Sales · The Home Insurer
Our team can discuss small converted buildings and larger blocks. Provide the rebuild value, number of flats and occupancy details so we can compare the available protection for the whole building.
Talk to our team on 01832 735388A little clarityYour questions,
Your questions,
answered.
Something specific to your property?
Talk it through with us.
Who can arrange block of flats insurance?
We can discuss cover with freeholders and management companies responsible for the building. Confirm who is required to insure it under the relevant ownership and management arrangements.
Can you cover converted buildings?
Yes, we can consider converted as well as purpose-built blocks. Provide the original construction, conversion details, number of flats and occupancy mix.
Is each flat’s contents included?
Not automatically. Contents in common areas and residents’ own belongings are different requirements. Residents should check their own contents arrangements.
Does a day-one uplift replace a rebuild valuation?
No. The base declared value still needs to be accurate. Ask how the uplift works and whether the valuation reflects the whole building and relevant reinstatement costs.
Can terrorism or directors’ and officers’ cover be added?
We can discuss these options where available. The need, limits and conditions depend on the building and management arrangement; ask for each extension to be clearly identified.
Let’s talk about
the cover you need.
Tell us about your property and we’ll help you understand the options available.