What is a block of flats?

A block of flats is constituted as a residential building that contains more than two self-contained flats or apartments. As the owner of the block, you may act as a landlord for the tenants or have the flat managed by a third-party company acting as landlords (collecting rent, sorting out tenant’s issues etc).

Do I need landlord insurance for a leasehold flat?

This depends on whether your building is looked after by a management company, or whether you look after them yourself. For the latter, if you act as the landlord then it is advisable to include some form of protection as part of your block insurance policy, as landlord insurance is considered a separate entity to block insurance

Do I need buildings insurance for a leasehold flat?

Buildings insurance comes as part of many block insurance policies, to some degree. Any damage to the structure, communal areas, or landscaped gardens will usually be covered by this element of your policy, but you should speak to your broker to ensure your policy is properly tailored to your specific needs.

Can I get a block of flats insurance online quote?

We’ll do you one better – just fill in our simple form and one of our specialist block of flats insurance brokers will call you to arrange a competitive quote. With this method, you won’t need to waste valuable time sifting though various companies to find the apartment block insurance quote, we’ll bring the most trusted brokers directly to you.

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Why Use QuoteSearcher for Block of Flats Insurance?

Arranging insurance for a block of flats requires consideration of multiple factors, including rebuild cost, communal areas, tenancy arrangements and management structure, to name a few. Unlike insuring a single residential property, a block policy must account for shared spaces, multiple occupants and, in some cases, third-party managing agents.

Rebuild valuations are typically based on recognised assessment methods such as BCIS rebuild cost guidance or professional surveyor valuations. In addition to the structure itself, insurers will consider occupancy type, number of units, tenant profile and any on-site facilities.

At QuoteSearcher, we connect property owners and freeholders with brokers who regularly arrange block of flats insurance. By completing a short form on our site, you can be connected with insurance specialists who will review your building’s structure, management arrangement and tenancy setup before outlining insurance options.

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What Is Block of Flats Insurance?

Block of flats insurance (sometimes referred to as apartment block insurance) is designed to cover residential buildings containing two or more self-contained flats.

This may include:

Purpose-built apartment blocks
Converted houses split into flats
Mixed-occupancy residential buildings

Insuring a single flat is different from insuring the entire building. If you are the freeholder or responsible for the building as a whole, a dedicated block policy is generally arranged to cover the structure and communal areas.

Key Considerations for Block of Flats Insurance

What Is Defined as a Block of Flats?

A block of flats is generally defined as a residential building containing two or more self-contained units within one structure. This can include purpose-built apartment blocks or houses converted into separate dwellings. The classification is important because insurers assess multi-occupancy buildings differently from single residential properties.

Who Is Responsible for Arranging the Insurance?

Responsibility for arranging insurance typically sits with the freeholder, residents’ management company, or appointed managing agent. If the building is professionally managed, the policy is often arranged on behalf of all leaseholders. Where there is no managing agent, the freeholder will usually be responsible for arranging buildings insurance for the property.

Is Buildings Insurance Included in a Block Policy?

Buildings insurance is commonly included as part of a block of flats policy. This may include cover for the main structure, roof, stairwells, communal hallways and shared facilities, depending on the policy wording. The sum insured is generally based on the full rebuild cost of the property rather than its market value.

Do Individual Leaseholders Need Additional Cover?

Leaseholders typically rely on the block policy for structural insurance, but they may still require separate cover for contents within their own flat. If a leaseholder rents out their flat, landlord-specific cover such as loss of rent or tenant-related damage may also need to be arranged separately.

Block of Flats Insurance Policy Features

Cover will vary depending on the insurer and building profile, but policies may include:

Property Owners’ Liability Insurance

Cover for legal costs and compensation if a third party suffers injury or property damage connected to the building or communal areas. Find out more about Property owners liability Insurance.

Loss of Rent Insurance

May provide financial protection if flats become uninhabitable following an insured event and rental income is temporarily lost. Read more about Loss of Rent Insurance.

Malicious Damage & Theft by Tenants

Protection against deliberate damage or theft carried out by tenants, subject to policy conditions.

Buildings & Communal Contents Cover

Cover for structural damage caused by insured events such as fire, flood or storm, along with protection for communal fixtures and fittings. Find out more about Building & Contents Insurance.

Why Specialist Block Insurance Is Important

Blocks of flats present different risks from standard buy-to-let properties. Damage to communal areas, shared responsibility between leaseholders, and disputes regarding liability can complicate claims.

A specialist broker can assess:

Number of flats within the building
Type of construction
Tenancy arrangements (leaseholders, private tenants, housing association tenants)
Whether a managing agent is appointed
Claims history

This helps align the policy with the structure and use of the building rather than relying on a standard residential insurance template.

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What Is Block of Flats Insurance?