Block of Flats Insurance

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We Partner With

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Policy Features

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

Covers legal and compensation cost in the event of a claim

Loss of rent cover

Guaranteed rental income if tenant cannot pay for any reason

Malicious damage & theft by tenants

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

Building & contents cover

Protects brick and mortar, and internal contents from damage caused by fire, flood and others

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 cover

Cover from fires, storms, floods, subsidence and escape to water


apartment building

Types of Tenants

The type of tenant can affect your policy.

  • Professionals
  • Students
  • DSS rentals
  • Bedsits
  • Asylum seekers
  • Local authority placements

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.

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I completed one simple form on the QuoteSearcher website and I received three excellent quotes. This was exactly what I was looking for!

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I just wanted to say how impressed I was with the ease in which I managed to purchase my very reasonably priced insurance online.

Jenny Doulton - Lincoln

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