Blocks of Flats Insurance

The Right Cover at The Right Price

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Blocks of flats insurance covers Apartment blocks, from small to very large. It refers to buildings insurance cover for all flats within one building.

If a house is converted to self-contained flats or purpose-built blocks. Insurance brokers consider a property with two or more flats to be a block. This could be either a small block of flats or a large block. The policy will also include cover for all communal areas.

Insuring a single flat within a block can be difficult. An individual flat can be open to increased risks due to the flats surrounding it. A dedicated block insurance policy covering all possibilities and eventualities is the way to go.

What is a block of flats?

A block of flats is a building that covers more than two self-contained flats or apartments. The owner of a block may act as a landlord or have a flat managed by a third party company acting as a landlord.

Do I need building insurance for a leasehold flat?

Full building liability is part of many block insurance policies. To some degree, any damage to the structure, communal ways or landscape gardens will be within an element of the policy.

Why iInsure365 for blocks of flats insurance?

The process of insuring flats can be complicated. As there are many factors for consideration in the event of damage. A vehicle or personal asset can have a determined value. Blocks of flats or apartment blocks are not as simple. But we can take out the hassle of dealing with this for you.

We have partnered with some of the UKs leading insurance companies. We ensure that your policy is tailored to cover all potential risks, for all affected parties. Whether properties are purpose-built or conversions to individual flats or entire blocks. Whether the tenants are leaseholders, DSS tenants or a mix of both your policy will be specific to you.

You will have various options which will include and exclude contents insurance. This will mean that the costs incurred by a sudden loss of water or damage to fittings are covered. The policy would include loss of rent. This may be an issue if your tenants need to find alternative accommodation whilst repairs take place.

Flat Block Insurance to Compare

Ownership and responsibility for a block of flats can vary. Flat ownership and insurance for flats fall into the following categories:

  • The freeholder can arrange buildings insurance for the whole block.
  • The flat block may have a managing agent who has the responsibility of insuring the block
  • Leaseholders of a building may decide to take care of the insurance themselves. This is a right-to-manage company.

Buildings Insurance for blocks of flats (flat block insurance) can be easily designed to take into account the various ownership structures. It can also cover non-standard risks such as malicious damage and landlords contents insurance. In some cases, residents in blocks of flats rely on Management Companies to handle maintenance and other tasks. The residents of the blocks of flats may have taken the Right to Manage. In this case, they may be considering looking for a landlord blocks of flats insurance. The process of looking for such insurance may depend on the size of the block and the elements of cover needed.

There are comparison sites that can be visited online that may help. However, by taking that route they may not be offered a policy of the same standard. For instance cover for things like subsidence, liability insurance, malicious damage and landlords contents insurance. Where specialist insurance is required it is always worth looking into the market to see what is available. We can do that for you and offer various providers. Whether looking to insure a flat in a block, a maisonette or a whole block of flats we can provide you with comprehensive, cheap insurance. Whatever circumstance applies, we can provide the cover you need.

We deal with all types of insurance and particularly blocks of flats insurance or apartments within leaseholds. They are often known as “block insurance” or “blocks of flats insurance” we understand that you as a leaseholder if dealing with this it can be a very large responsibility and even for a management company.

It may be a Director of a Right to Manage Company, a member of a Residents Association, a leaseholder or simply a resident who has volunteered to organize the building insurance for your block of flats.

We can help you with this service. We can supply you with insurance from two flats that were converted from a house to in excess of 300 to 400 flats within a block. Also, we insure property of standard and non-standard construction as well as listed building insurance. We have huge amounts of different policies that include all sorts of cover such as accidental damage, loss of rent, alternative accommodation, subsidence, malicious damage and comprehensive service.

Did you know that you are entitled by law to request your managing agent to give you full details of the commission that they own within the policy itself? You may be horrified to find that some people are earning a huge amount from your policy rather than just insuring your block itself. We have been able to help lessees from all over the country dramatically reduce their cover see our examples below:

Typical savings with iInsure365…

Some examples of our delighted clients


Building consisting of 9 Leasehold Flats. We provided a cheaper premium for the same level of cover

  • Freeholders Insurance/ Managing Agents Premium – £5,814
  • iInsure365 premium – £3,106
  • Massive saving for the client – £2,707

Typical savings with iInsure365…

Some examples of our delighted clients


Grade 2 listed building consisting of 69 flats

  • Landlord Premium – £12,214
  • We matched the clients renewal premium but our policy included Directors and Officers cover

Typical savings with iInsure365…

Some examples of our delighted clients


Block of 5 flats with 100% flat roof

  • Existing renewal Premium – £1,046
  • Our Premium – £739
  • Massive saving for the client – £307
  • At renewal the next year we then saved the client another £130!!

More Block of Flats Insurance Information

Money Supermarket or the Right Cover?

iInsure365 provide an all risk block insurance policy. This will cover the building as well as liability for the property or flat owners. It can also include contents insurance whether it be for shared areas only or not. We can provide policies for leaseholders that cover the whole building. As well as this, if one flat is vacant it won’t affect the insurance cover for the remaining flats. If you need Blocks of Flats Insurance, you can be confident that the policy you arrange through iInsure365 will be right for your needs. 

Cover for blocks of flats larger than ten storeys

Many insurance providers can only cover ten flats per block. We have access to a wide range of property insurers and thus can help you find a policy for your block of flats. Even if it is more than ten. If there is anything unusual about your block of flats, our team are always happy to help you find a solution.

Organizing quotes on building insurance for flats or apartments with leaseholds is known as block insurance or blocks of flats building insurance. This is a big responsibility even for management companies. We understand that and can help you through the process. You may be a Director of a Residential Management Company (RMC), Right to Manage Company (RTM), members of a residents association, a leaseholder, or a resident who has volunteered to organize the building insurance for your block of flats.

We insure properties of standard and nonstandard construction, also buildings that are located close to rivers or water courses and have also done a lot of listed building insurance.

We will search our panel of well-known insurers to find you the appropriate level of service and cover at a competitive price so that you don’t have to.

What our exclusive product includes

iInsure365 have an exclusive product with Aviva and the product includes the following:-

  • A comprehensive level of cover – all risks
  • Accidental damage cover
  • Loss of rent cover
  • Loss of rent indemnity period – 36 months
  • Property owners liability – £5M
  • Subsidence cover
  • Malicious damage
  • Trace and access
  • Empty/unoccupied cover
  • Alternative accommodation
  • Damage after illegal cultivation of drugs
  • Cover theft by tenant
  • Lock replacement cover
  • Landscaping costs
  • Loss of metered water
  • Restrictions fly-tipping
  • Clearance of drains
  • Tree felling
  • Tree removal
  • Newly acquired
  • Nest removal cover
  • Exhibition equipment
  • Contractual risks
  • Eviction of squatters

There are also optional covers such as:-

  • Equipment breakdown cover
  • Legal expenses cover
  • Directors and officers
Professional insurance valuation at an affordable price

Buildings should always be insured for the amount it would cost to rebuild them.  However, fewer than one in ten properties throughout the United Kingdom are covered correctly.  This could mean that your property could be over-insured and you are potentially paying too much for your property buildings insurance especially on a block of flats.  If you are under-insured, you face a reduction in the pay-out in the event of a claim. It is well known that during claims that these can be reduced by £100s and £1000s due to under insurance. 

If you wanted to get somebody out to visit your property to carry out a professional assessment for building insurance purposes this can not only be time-consuming but also very expensive.  We have been able to partner with who can now offer you a reliable low-cost service.  The scheme is regulated by the Royal Institute of Chartered Surveyors. 

You will receive a comprehensive rebuild cost assessment report guiding you on how much your property should be insured for.  It is a very affordable service and absolutely essential.

What information do I need in order to get a quote?

We will need some very basic information in order to give you a quote to help reduce your insurance premium such as:-

  • The declared value of the property
  • How would you like to pay
  • Any claims history you may have
  • What type of property it is
  • What type of tenancy it is i.e. whether the leaseholders live there or rents out the flats on a short or long term basis
  • The level of cover you are looking for and we can go through this with you
  • Should there be any additional notices on the policy such as leaseholders etc?

Don’t hesitate to contact us to discuss this with you.

How can I get a blocks of flats insurance quote?

We understand that this is a daunting task and especially difficult for people.  Please don’t hesitate to call us and we will go through the entire process with you from start to finish.  We will be there for you all the way through your policy just in case you need anything.  You can count on it.

Don’t hesitate to contact us on (01273) 827090 or email .  Just look at our Google reviews with the constant five stars that we have, these people cannot be wrong.

Please do not hesitate to contact the Chief Executive Charlotte Skinner to discuss this.


Block of Flats Insurance Articles

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