Block of flats insurance

Here’s good news if you’re seeking residents’ association insurance or you’re an owner-occupier in a block of flats.

Sorting out buildings insurance claims needn’t be a nightmare. With our block of flats insurance everything gets put right quickly and efficiently – as our existing customers know…

Imagine this scenario with buildings insurance for a block of flats – one we’ve seen too often. A water leak in one flat causes damage in others. The owner of the leaking flat hasn’t got much damage and resents paying an excess. The other owner occupiers didn’t cause the damage to their homes and resent paying the excess. And then there’s the residents’ association in the middle. It’s a mess, and it can drag on for months…

Blocks of flats insurance

But not if you call 0800 131 3417 or:

Fill in our Premium Indication form

Buildings insurance for flats that’s different

Our specialised cover takes the worry out of block of flats insurance. For starters, our residential property owners’ policy for flats doesn’t have an excess! That’s one huge bone of contention out of the way. Unlike many other policies, we cover potentially costly trace-and-access claims too. Our experienced residential property insurance claims handlers are great to work with – we know because our clients keep telling us in glowing testimonials such as these:

  • ‘Very good service, great assistance’
  • ‘Very professionally helped with the paperwork’
  • ‘Please keep up the good work’

Block of flats insurance that just works

There’s something about our bespoke insurance for flats that endears us to owner occupiers. We put it down to a combination of tailored policies and knowledgeable specialists who’ve been with us for years. While other insurers argue over who pays what, we just sort things out.

Let’s talk about insurance for blocks of flats

We can do this because we’ve specialised in blocks of flats insurance and legal expenses cover since 1995. Our underwriting contacts, knowledge, experience and competitive premiums set us apart and support rapid resolution of your claim.

Whether you call it block of flats insurance or apartment block insurance, we look forward to answering any questions or preparing your no-obligation quotation.

Please call 0800 131 3417 or:

Fill in our Premium Indication form

Features of our Block of Flats insurance cover policy

  • Alternative accommodation costs up to 33.3% of buildings sum insured.
  • Loss-of-rent cover included for let premises.
  • Loss of metered utility supplies up to £25,000.
  • Denial-of-access cover.
  • Special ‘non-invalidation’ clause.
  • Replacement of locks following theft of keys – £5,000.
  • Common area contents cover up to £25,000.
  • Employer’s liability cover for clerical employees, cleaners, gardeners, and maintenance staff.
  • Public liability limit of £5,000,000 for any one occurrence.
  • Loss of money up to £1,000.
  • Clearance of drains as a result of damage – up to £10,000.
  • Damage to grounds up to £25,000.
  • Reasonable trace and access costs for locating source of damage caused by escape of water.
  • Terrorism cover
  • Garden equipment, furniture and ornaments up to £5,000.
  • Fly tipping.
  • Bee and wasp nest removal cover.
  • Automatic cover for extensions, renovations and repairs up to £100,000.

Benefits of our Residential Property Owners policy:

  • Competitive premiums
  • No-claims bonus
  • 24-hour claims and legal helpline
  • No excess (excludes subsidence)

Optional extras to our Residential Property Owners Policy:

  • Legal expenses Insurance
  • Directors' and officers' liability Insurance

View our Residential Property Owners Insurance Brochure

Look at what our clients say about our block of flats cover

Since we have used your company we have been very pleased every time we have had to deal with you.

These are just a few of the advantages of the policy we have to offer

A quotation can be provided by completing the

Premium Indication form

Call us now freephone 0800 1313417