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What Does Blocks of Flats Insurance Actually Cover (and Not Cover)? Blocks of flats insurance is one of those things everyone thinks they understand… right up until there’s a serious leak, fire or liability claim and people start asking: “Is that actually covered?” Here’s a clear, no-nonsense guide to what block of flats insurance usually covers – and just as importantly, what it usually does not. Get a Quote Insurance under one roof We are specialists in many types of insurance What is block of flats insurance in simple terms? Block of flats insurance is a specialist buildings policy designed to cover: The structure of the building (walls, roof, floors, communal areas, etc.) The freeholder / landlord / management company’s legal responsibilities Some financial losses connected to damage (like loss [...]

Block of Flats Insurance Specialists, Est. 1976 Listen to Block of Flats Insurance explained by one of our directors How Does Insurance Work In A Block Of Flats? Insuring your property under the correct type of policy is essential. Whether you are a Leaseholder of a converted house with 2 flats, or an owner of a flat within a purpose built block of flats with 20 other flats owners or tenants, a property owners policy will cater for the building only. Occupants will then need to consider a Contents Policy or Tenants Contents policy should they require cover for their belongings and include Liability Cover from within their own unit. To Discover How Does Insurance Work In A Block Of Flats Either Listen To The Audio Above Or Read This Short Informative Article Get a Quote [...]

7 Best Manchester Block of Flats Insurance Tips Manchester’s property market continues to be a hotspot for buy-to-let investors, driven by strong demand, rising rents, and significant regeneration across the city. With a growing population of professionals, students, and young families, rental demand remains robust, especially in areas close to the city centre, such as Ancoats, Salford Quays, and the Northern Quarter. If you wish to be part of this and need to understand the most important Manchester block of flats insurance pointers, that can help you make wise decision, read on. According to Zoopla’s February 2025 UK Rental Market Report, Manchester saw average rents rise by 9.1% year-on-year, placing it among the top-performing cities for rental growth in the UK. This rental increase, coupled with relatively affordable property prices compared to London or the South East, provides attractive yields for landlords, often between 5–7% depending on the location [...]

Buying Blocks of Flats Insurance in London: Key Risks and Costs When it comes to buying blocks of flats insurance in London, the market is becoming more complex for a number of reasons. In London, block of flats insurance comes with unique challenges and considerations compared to the rest of the UK. There are articles in the media that illustrate some of these issues. For example, This Is Money journalist, Ed Magnus, wrote a piece in 2024, entitled, "Plaster fell off our leasehold block of flats: The council says it's dangerous, can we force the freeholder to fix it?" Plus, of course, the issue of home insurance and block of flats insurance costs, which in the UK increased by 21% year-on-year between July and September 2024, according to a report from Compare the Market. Get a Quote Insurance under one roof [...]

Can I Insure a Partially Empty Block of Flats in the UK? If you own a block of flats with vacant units, you might be wondering whether standard property insurance will cover you. In the UK, insuring a partially empty block of flats is possible, but there are important factors to consider. Why Does Vacancy Affect Insurance? Empty properties pose higher risks, including: Security concerns – Unoccupied units are more vulnerable to vandalism, break-ins, and squatting. Maintenance issues – Leaks, dampness, or structural problems may go unnoticed. Fire risks – An unoccupied space can become a target for arson or suffer unnoticed electrical faults. Because of these risks, many standard building insurance policies may not fully cover an unoccupied flat for extended periods, typically beyond 30-60 days. Get a Quote Insurance under one roof We are specialists in many types of [...]

Can I Insure My Block of Flats if I'm Not the Freeholder? The quick answer is yes, you can insure your block of flats even if you’re not the freeholder, but the process and your responsibilities depend on your ownership type and lease agreement. Steps to Take Check the Lease Agreement: This document will outline who is responsible for insuring the building. Speak with the Freeholder or Managing Agent: Ask for details about the current insurance policy and how costs are allocated. Seek Professional Advice: If you suspect the freeholder is failing to insure the property adequately, consult a legal expert or surveyor. Get a Quote Insurance under one roof We are specialists in many types of insurance https://youtube.com/shorts/mTOdqzVQidU Key Considerations When Insuring a Block of Flats [...]