Block of Flats Insurance
Comprehensive protection for multi-unit residential buildings, covering communal areas, shared services, and complex liability exposures.
Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.
What's Covered
Our block of flats insurance provides comprehensive protection tailored to the specific needs of freeholders, resident management companies, and property management firms.
Buildings Insurance
Full reinstatement cover for the entire structure including communal areas, roof, foundations, and external walls.
Common Parts Cover
Protection for shared spaces including hallways, stairwells, lifts, car parks, and landscaped gardens.
Directors & Officers Liability
Essential cover for RMC directors against personal liability arising from management decisions.
Property Owners Liability
Cover for third-party injury or property damage claims arising from the building or common areas.
Engineering Inspection
Statutory inspection and insurance for lifts, pressure systems, and other engineering plant.
Terrorism Cover
Optional protection against damage caused by acts of terrorism, often required by lenders.
Why Choose Focus Insurance?
As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.
Single Policy Solution
One comprehensive policy covering entire block and all communal areas.
D&O Cover Included
Directors & Officers liability included as standard for RMC protection.
24/7 Claims Support
Round-the-clock claims helpline with dedicated handler for your block.
Legal Expenses
Cover for lease disputes and legal costs arising from property management.
Is This Cover Right for You?
This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:
- Freeholders of residential blocks
- Resident Management Companies (RMCs)
- Right to Manage (RTM) companies
- Property management companies
- Housing associations
- Build-to-rent developers
What We'll Need for Your Quote
- 1Full address and postcode of the block
- 2Number of flats and floors
- 3Year of construction and construction type
- 4Current rebuild value (RICS valuation preferred)
- 5Details of communal facilities (lifts, car parks, gardens)
- 6Claims history for the past 5 years
- 7Current insurance schedule (if renewing)
- 8Details of any ongoing or planned major works
Frequently Asked Questions
Do all flat owners need to be named on the policy?
Is terrorism cover mandatory?
What if some flats are unoccupied?
Can you cover blocks with commercial units on the ground floor?
Ready to Discuss Your Insurance Needs?
Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.
Monday – Friday, 9:00am – 5:00pm