Block of Flats Insurance
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Why QuoteSearcher for Block of Flats Insurance?
The process of insuring a block of flats is complicated, as there are many factors for consideration of compensation in the event of damage. Unlike a vehicle or personal asset which can have an easily determined value, a block of flats or apartment block is not as simple. The valuation of the building alone can be derived from a variety of methods, from BCIS tables to certified chartered surveyors. Then services, tenants and building staff all have to be factored in additionally.
We’ve partnered with some of the UK’s leading block of flats insurance brokers, who will ensure your policy is tailored to cover all potential risks, for all affected parties. Whether the properties are purpose built or conversions, insuring individual flats or the entire block, or the tenants are leaseholders, DSS tenants or a mix of both, your policy will be specific to your requirements.
You will have the option of including or excluding contents insurance on your policy, meaning the costs incurred by sudden loss of water or damage to fittings and furniture by tenants can be covered. As well as loss of rent cover, as this may become an issue if tenants need to be provided alternative accommodation while repairs occur, having an impact on both rental income.
Fill in our easy quote form, and we’ll find you the best UK brokers for block of flats insurance.
Policy Features of Block of Flats Insurance
If you have a property portfolio, by insuring them all under the same policy you will get a reduced premium, saving both money and time.
Property Owners’ Liability Cover
Covers legal and compensation cost in the event of a claim. Find out more about Property owners liability Insurance.
Loss of Rent Insurance
Guaranteed rental income if tenant cannot pay for any reason. Read more about Loss of rent Insurance
Malicious Damage & Theft by Tenants Insurance
Protection against deliberate theft or damage to property by tenants.
Employers’ liability
Covers legal and compensation costs in the event of a claim by an employee. Find out more about Employers’ Liability Cover.
Building & Contents Cover
Protects building and internal contents from damage caused by fire and flood. Find out more about Building & Contents Insurance.
Glass Insurance
Covers replacement of broken windows in the event of an accident
Contents of Communal Areas
Covers appliances and furniture used in communal areas
All Risks Property Insurance
Cover from fires, storms, floods, subsidence and escape to water. Read more about All Risks Cover.

What is Block Insurance?
Apartment block insurance refers to the coverage of multiple residencies within one building. Whether a house that has been converted into self-contained flats, to purpose built blocks, insurance brokers consider a property with two or more flats to be a block.
Insuring a single flat within a block is one thing, but if you are the owner of a block of flats you will face increased risk in a lot of areas. This means securing a dedicated block insurance policy to cover all possible eventualities.
For example, if there is damage to a communal area, it may go unreported and, if it is, the culprit may not be able to be identified. In this case, you would want the damage repaired quickly and conveniently, which often means making a claim.
Types of Tenants
There can be a number of different types of tenant that could have an effect on your policy and the features it consists of. These types can include:
- Professionals
- Students
- DSS rentals
- Bedsits
- Asylum seekers
- Local authority placements
Whether you are a freeholder or property management company, you will be able to find the right quote for the right policy through QuoteSearcher.

Frequently Asked Questions About Block Insurance
I completed one simple form on the QuoteSearcher website and I received three excellent quotes. This was exactly what I was looking for!
I just wanted to say how impressed I was with the ease in which I managed to purchase my very reasonably priced insurance online.
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