Blocks of Flats Insurance

Blocks of Flats Insurance

Our Blocks of Flats Insurance policy has been designed to provide cover for the Buildings or the Buildings and Communal Contents of blocks of flats or apartments.

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Cover is available for:

Freeholders
Resident Associations
Management Companies
Companies
Individuals
Joint Policyholders

We are happy to provide cover for:

Purpose Built Blocks
House Conversions

Key features of our product

Cover available for Blocks Situated in the United Kingdom
Sum Insured up to £3,000,000
Cover can be Arranged for Blocks that are Owner-Occupied and Blocks that have Flats that are Tenanted, used as Holiday Homes or left Unoccupied
£10,000 Communal Contents Cover Included Free of Charge – Higher Amounts can be Covered
Accidental Damage Cover Available
Discounts Available for Newer Blocks and Higher Sums Insured
No Claims Bonus of up to 30%
TV Aerials and Satellite Dishes Covered
Solar Panels Covered
Water Features Covered
£5,000,000 Legal Liability to the Public Cover
£5,000,000 Accidents to Domestic Staff Cover
Loss of Rent and Alternative Accommodation Cover
Office Equipment Covered

Cover provided includes

Fire, Lightning, Explosion, Earthquake and Smoke Damage
Impact by Aircraft and other Flying Devices or Items Dropped from Them
Storm, Flood or Weight of Snow
Escape of Water
Escape of Oil
Theft or Attempted Theft
Collision by any Vehicle or Animal
Malicious Damage
Subsidence, Heave and Landslip
Breakage or Collapse of TV Aerials and Satellite Dishes
Falling Trees, Telegraph Poles or Lampposts
Accidental Damage to Fixed Glass, Sanitary Ware, Ceramic Hobs and Solar Panels
Accidental Damage to Underground Services
Loss of Rent or Alternative Accommodation
Additional Expenses
Increased Cost of Metered Water Charges and Loss of Domestic Oil
Buyers of Flats Benefit from Buildings Insurance
Trace and Access
Replacement Locks
Landscaped Gardens
Costs of Replacing or Refilling Fire Extinguishers
Damage Caused by the Emergency Services
Loss or Damage to CCTV Systems
Legal Liability to the Public up to £5,000,000
Accidents to Domestic Staff up to £5,000,000

Cover is subject to the full terms, conditions, limits and exclusions of our Residential Blocks of Flats or Apartments policy wording.