Living in a block of flats, or a house converted into flats, is a different experience to living in a stand-alone property. As such, you require a specialist insurance policy to provide you with the cover you need, as standard property insurance policies are not sufficient.
When there are dozens of people living in close proximity to each other and sharing communal areas like hallways, the chance of an accident happening or damage occurring is high. Also damage often goes unreported, as the culprits may be unwilling to take responsibility for their actions and people generally take less care of something when the owner is not present.
Some blocks of flats are looked after by dedicated property management companies, who are paid monthly subs to maintain the building and arrange things like the insurance, liaising with the insurer on behalf of the occupants.
Our partners have policies which are suitable for all types of property owner, whether you own a single flat or the entire block, are a freeholder, leaseholder or a property management company.