This policy provides buildings cover for purpose built blocks or building conversions, including maisonettes.
Key features:
- Sum insured up to £3 Million (we can also cover much higher up to £200 million)
- Cover can be arranged for blocks that are owner occupied and blocks of flats that are alternatively used as holiday homes or left unoccupied.
- £10,000 communal contents cover including free of charge higher amounts can be covered
- Loss of rent and alternative accommodation
- Discounts available for newer blocks and higher sums insured
- £5 million legal liability to public cover
- £5 million to accidents to domestic staff cover
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Covers available:
- Freeholders
- Residents association
- Management companies
- Companies
- Individuals
- Joint policy holders
Standard cover provided:
Buildings and communal contents are covered for a loss or damage directly caused by;
- Fire, lighting, earthquake, explosion
- Aircraft and other flying devices or items dropped from them
- Storm, flood or weight of snow
- Escape of water from and frost damage to fixed water tanks, apparatus or pipes
- Escape of oil from a fixed domestic or fire heated installation and smoke damage caused by a fault in any fixed domestic heat installation
- Theft or attempted theft
- Collision by any vehicle or animal
- Any person taking part in a riot, violent disorder, strike, labour disturbance, civil commotion or acting maliciously
- Fallen trees, telegraph poles or lampposts
- Breakage or collapse of fixed radio and television aerials, fixed satellite dishes and fittings and masts
- Subsidence, landslip or heave on the site of which the building stands
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Building cover also includes;
- Additional damage to glass, double glazing, solar panels, sanitary wear and ceramic hobs
- Additional damage to any underground water or gas main, sewer or drain pipe or underground electricity or telephone cable
- Loss of rent or alternative accommodation by the block or any individual flat or apartment cannot be lived in, followed by a loss or damage
- Increased domestic water chargers
- Additional expenses
- Buyers benefit – for the block, or individual flats or apartments
- Trace and access
- Replacement locks to alarms and outside doors on the block or individual flats or apartments
- Landscape gardens
- Fire extinguishers expenses
- Emergency access
- Closed circuit TV
- Nest removal
- Fly tipping
- Index linking
- Legal liability as owners of the block and owner occupier of common/communal areas up to £5 million
- Legal liability up to £5 million for accidents to domestic, staff employed in connection of running and maintenance of the blocks or flats or apartments
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