It will cover the buildings – for example, if there is a burst pipe and the flat walls get damaged, then this will be covered under the building’s section of the policy.
However, a flat owner or tenant should have their own contents insurance in place for contents owned by them. If the contents are not communal contents and owned by the Landlord, then they will not be covered under a standard Block of Flats Insurance Policy. You can arrange a Tenant Contents policy through Property Insurance Centre for as little as £56.00.
