Block of Flats Insurance
Block of Flats Insurance is specialist cover designed to protect residential buildings containing multiple flats or apartments under one comprehensive policy.
Whether you’re a freeholder, Residents’ Management Company (RMC), Right to Manage (RTM) company, managing agent, landlord, or property investor, we’ll help you compare tailored insurance solutions that protect your building, communal areas, and legal responsibilities.
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INTRODUCTION
What is Block of Flats Insurance?
Block of Flats Insurance is a specialist buildings insurance policy created for residential developments with multiple self-contained flats or apartments.
Unlike standard home insurance, it is specifically designed for buildings with shared ownership responsibilities and communal facilities. A single policy can provide protection for the structure of the building together with a range of risks associated with managing multi-occupancy properties.
Insurance is typically arranged by the party responsible for maintaining the building, whether that’s a freeholder, management company, managing agent, or residents’ association.
Who It’s For
What Does Block of Flats Insurance Cover?
Cover can be tailored to suit your building and may include protection for:
The building structure
Shared entrances, hallways and staircases
Roofs, gardens and communal facilities
Alternative accommodation
Fire, flood and storm damage
Escape of water
Subsidence, heave and landslip
Accidental damage
Optional legal expenses
Every building is different, so cover is arranged around your property’s individual needs.
Who Needs This
Who Needs Block of Flats Insurance?
Why Specialist Block Insurance is Important
Residential blocks present a very different level of risk compared with a standard house or buy-to-let property.
Factors such as multiple occupants, shared communal areas, service charge obligations and higher liability exposure require insurance that is specifically designed for this type of property.
A specialist Block of Flats Insurance policy helps ensure your building is insured for the correct rebuild value while protecting against the risks associated with owning or managing residential developments.
Working with specialist insurers also means your cover can be tailored to reflect your property’s construction, occupancy and management arrangements.
Insurance for Every Type of Residential Block
We arrange insurance for a wide range of residential properties across the UK, including:
Purpose-built apartment blocks
Converted residential buildings
Victorian conversions
Mixed-use developments
High-rise apartment buildings
Listed and heritage properties
Student accommodation
HMO residential blocks
HOW WE ARE DIFFERENT
Why Choose Compare Property Insurance?
We specialise exclusively in arranging insurance for residential property owners, management companies and managing agents throughout the UK.
Access to leading specialist UK insurers
Competitive quotations tailored to your property
Independent, expert advice
Solutions for standard and non-standard buildings
Support throughout your policy term
Get a Free Block of Flats Insurance Quote
Protect your residential building with specialist insurance designed for blocks of flats, apartment developments and multi-occupancy properties.
Compare tailored quotations from leading UK insurers and let our experienced team help you arrange the right level of cover for your building.