Block of Flats Insurance

Block of flat insurance is flexible cover for agents, RTMs, landlords, owners, developers, property portfolio investors incl. property owners liability.

Block Of Flats Insurance

Comprehensive buildings insurance for flats and advice from our Commercial Property Experts

Buildings insurance for flats

Buildings insurance for flats provides a simple and flexible building insurance policy for Residents Associations, Right to Manage (RTM) Company, Freeholders or Block Managing Agents.

Block of flats insurance is complicated; your coverage and how much it costs vary depending on the building's location, type of construction, plus a number of other factors.

Typically, the individual flats are subject to long-term lease agreements and each leaseholder will contribute to the block of flats insurance policy arranged by the freeholder as part of their annual management fee.

As well as the building itself, the block of flats insurance can be extended to provide additional cover such as terrorism, communal contents, legal liabilities and legal expenses.

Block of Flats Insurance – What Do I Need?

Building Insurance for Blocks of Flats doesn't have to be as complicated as it sounds. As for many owning a residential rental property or block of flats can be both personally and financially rewarding. Block of flats insurance is designed for landlords who own and rent out entire blocks. They can host residential or commercial tenants and consist and insurance can cover both risks associated with the property and tenants.

The core protection for flat insurance is cover for the building itself. Policies are based on the rebuilding sum insured to reinstate the block to its current condition following an insured loss such as a fire or flood.

Typically building insurance for blocks of flats are arranged on an “All Risks” basis meaning that insurance is provided for any loss which is not specifically excluded. Cover can also be extended to cover legal liabilities such as property owners liability and employers liability as well as “trace and access” and “emergency services access” indemnity.

Additions to Buildings Insurance for Blocks of Flats

In addition to buildings insurance, cover will usually extend to cover your legal liabilities as the property owner. This will include property owners' liability and employers liability where you may employ staff such as a gardener or maintenance worker.

We would also recommend the inclusion of legal expenses cover.

Buildings Cover for Flats – Extended Cover

In addition to buildings insurance, cover will usually extend to cover your legal liabilities as the property owner. This will include property owners’ liability and employers liability where you may employ staff such as a gardener or maintenance worker.

We would also recommend the inclusion of legal expenses cover.

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Block Of Flats
Insurance advice?

Speak to one of our Block Of Flats insurance experts, at a time that suits you...

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  • Specialist cover from small flat conversions to large purpose built apartment blocks

  • Single or multiple location policies

  • House-in-multiple occupation (HMO) flat conversions

  • Non-standard construction and unoccupied blocks

  • Blocks under renovation

  • Communal contents and garden cover

  • Cover for solar panels and satellite dishes

  • Lifts and communal boiler cover (Engineers and Inspection cover)

  • Optional Terrorism cover

  • Legal liabilities as a block owner (Property Owners Liability and/or employers’ liability)


  • We compare prices and block of flats cover from panel of 5+ leading insurers

  • Instant quotations - cover and policy documents in minutes

  • Flexible cover & monthly payments – just pay for the sections you need

  • Expert advice from property Insurance specialists

  • Personal – Digital servicing AND your own dedicated insurance professional

Block of Flats Insurance Claims Example

A parcel delivery driver trips down the stairs on the loose carpet and suffers a broken hip. The driver is off work for 3 months and is seeking compensation and loss of earnings from the residents' association in excess of £15,000.

How Much Does Block of Flats Insurance Cost?

As property insurance experts, Insync has selected a panel of the UK's leading flat insurers. You can compare cover and prices online in a matter of minutes, building a tailored package to meet your specific requirements. Where Managing Agents control multiple properties, insurers may allow a discount from their standard rating.

Additional covers such as legal expenses are usually optional and can be included subject to payment of an additional premium. Each block policy is individually rated by the insurers based on the required rebuilding sum insured, the location of the block (post-code), construction and any claims history. Alternatively, why not book a free review with one of our property insurance advisors who can assist you in finding the right level of cover at the right price for your budget.

How Much Should I Insure My Block of Flats For?

The cost of completely rebuilding a block of flats can be considerable, particularly for older properties or conversions which can often be use more complex building methods. 

Whilst existing policies will usually be index-linked to allow for inflationary increases, we would recommend a regular review by way of professional valuation.

Some insurers may provide access to discounting surveying fees, else you should seek the services of a member firm registered to the Royal Institute of Chartered Surveyors (RICS)

What to do now...

Insync Insurance Solutions Ltd
9 Albany Park, Cabot Lane
Poole, Dorset BH17 7BX

t. 01200 309516
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