Blocks of flats insurance

Organising the buildings insurance for blocks of flats or apartments, often known as “block insurance” or “blocks of flats insurance”, is a big responsibility. We understand that, you may be the director of a Residential Management Company (RMC), Right to Manage Company (RTM), a leaseholder or simply a resident who has volunteered for the task. We have the specialist expertise to help you.

And should the worst happen, if you need to make a claim you’ll be supported by an adviser from our award-winning in-house claims team based here in the UK. Call us today and we’ll shape insurance to suit your individual needs.

Cover Benefits

Any property comprising of two or more flats or apartments is considered a ‘block’ for insurance purposes. And while every individual block of flats has its own unique set of risks, there is some cover you should expect to find in a standard policy:

  • Buildings including accidental damage, water damage, fire, theft, flood and storm
  • Inflation protection of up to 50%. We use recognised independent price indices to amend your sums insured to reflect inflation, so you don’t have to
  • Trace and access of leaks in service pipes
  • Communal contents including fitted carpets
  • Alternative accommodation or loss of rent
  • Outbuildings, such as garages, and communal gardens and grounds
  • One excess per incident so if damage affects several flats you are liable for only one excess per total claim
  • Replacement keys including keys to communal entrances
  • Employers liability to cover anyone working in communal areas
  • Third party liability up to £10 million

Insuring a block of flats or apartments is very different from insuring a single dwelling. For a start, they are considered commercial premises for insurance purposes and additional risks need to be insured that are not required for a traditional house.

Blocks of flats and apartments – known as ‘blocks’ in insurance – come in all shapes and sizes of standard and non-standard construction, including listed buildings. No block is too small, too large, or too complicated for us to consider.

We have full underwriting authority from our insurers, including Zurich, XL Catlin, Covea, NIG and LV, which means unlike many brokers we are empowered to make underwriting decisions.

We issue your insurance documents and handle your claims to provide a fast, efficient and seamless service. Supplemented by a choice of additional covers, we will ensure your insurance is shaped to suit your individual needs.

For a copy of our guide to Blocks of Flats Insurance, the cover provided under a standard policy* and examples of how the cover could benefit you, click here.


* For full terms and conditions please refer to the policy wording available on request.