Who is responsible for insuring a block of flats?

The freeholder or resident management company (RMC) is typically responsible for arranging buildings insurance for the block. Leaseholders are usually responsible for their own contents and improvements cover. The insurance obligation is often set out in the lease.

Do all flat owners need to be named on the policy?

No, the policy covers the building and common parts. Individual leaseholders do not need to be named on the block policy. They should arrange their own contents and improvements cover separately.

Is terrorism cover mandatory for a block of flats?

Terrorism cover is not legally required, but many mortgage lenders insist on it as a condition of lending. We can advise on whether it is appropriate for your block based on its location and lender requirements.

Can you cover blocks with commercial units on the ground floor?

Yes, we regularly arrange cover for mixed-use blocks with retail or office space at ground level. The policy can be structured to cover both the residential and commercial elements of the building.

What if some flats in the block are unoccupied?

Policies can include cover for unoccupied flats within the block, subject to certain conditions. It is important to notify your insurer of any extended periods of vacancy as this may affect the terms of cover.

Block of Flats Insurance

Block of flats insurance for freeholders, leaseholders, and managing agents. Cover for buildings, communal areas, and directors and officers liability. FCA-regulated broker.

What Does Block of Flats Insurance Cover?

Block of flats insurance typically covers the main structure and communal areas against fire, flood, storm, and escape of water; property owners liability; and directors and officers liability for resident management companies. Individual flat contents are not covered — residents should arrange their own contents insurance.

Who Arranges Block of Flats Insurance?

Insurance for a block of flats is typically arranged by the freeholder, the residents management company (RMC), or a managing agent on their behalf. As a specialist broker, we can assist any of these parties in finding appropriate cover.

How to Get a Quote

We do not provide instant online quotes. Call us on 01733 263311 or request a call-back and one of our specialist brokers will discuss your requirements and approach the market on your behalf.

Frequently Asked Questions

Does block of flats insurance cover individual flat contents?

No. Block of flats insurance covers the building structure and communal areas. Individual leaseholders are responsible for arranging their own contents insurance.

Can a residents management company arrange block insurance?

Yes. A residents management company (RMC) can arrange buildings insurance for the block. We can assist RMCs and managing agents in finding appropriate cover.

What is directors and officers liability for a block of flats?

Directors and officers (D&O) liability cover protects the directors of a residents management company against claims arising from decisions made in their capacity as directors. It is often included in block of flats policies.

Cover is subject to underwriting, insurer terms and acceptance. Focus Insurance Services is authorised and regulated by the Financial Conduct Authority (FRN 717691).