Freeholder Insurance
Freeholder Insurance is specialist cover designed for individuals, companies, and organisations responsible for residential buildings, apartment blocks, and multi-unit developments. Whether you own the freehold of a converted property, purpose-built block of flats, mixed-use building, or an extensive property portfolio, we’ll help you compare tailored insurance solutions to protect your building, legal responsibilities, and financial investment.
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INTRODUCTION
What is Freeholder Insurance?
Freeholder Insurance is a specialist policy created for those who own the freehold interest in residential properties and are responsible for arranging insurance on behalf of the building.
As a freeholder, you’re typically responsible for protecting the building structure, communal areas, and shared facilities while complying with the obligations set out in lease agreements.
Unlike standard buildings insurance, Freeholder Insurance is designed to address the additional risks and responsibilities associated with managing residential developments and multi-occupancy buildings.
COVERAGE
What Does Freeholder Insurance Cover?
Policies can be tailored to suit your property’s construction, occupancy, and management arrangements, and may include:
Every policy is arranged to reflect the unique requirements of your building and lease structure.
Who Needs This
Who Needs Freeholder Insurance?
Why Specialist Freeholder Insurance Matters
Owning the freehold of a residential building involves more than simply owning the property.
Freeholders are often responsible for maintaining communal areas, arranging adequate buildings insurance, complying with lease obligations, and managing liability risks associated with shared spaces.
A specialist Freeholder Insurance policy helps ensure:
- The building is insured for the correct rebuild value
- Shared facilities and communal areas are protected
- Property Owners’ Liability is included
- Lease obligations are satisfied
- Mortgage lender requirements are met where applicable
Having insurance specifically designed for freeholders provides greater peace of mind and helps protect both your property and your financial interests.
Types of Properties We Cover
Property Owners’ Liability Cover
Property Owners’ Liability Insurance is one of the most important elements of a Freeholder Insurance policy.
It can provide protection if a tenant, visitor, contractor, or member of the public suffers injury or property damage connected to your building and makes a legal claim against you.
Whether the incident involves communal staircases, shared entrances, car parks, gardens, or maintenance issues, liability cover helps protect you against potentially significant legal costs and compensation claims.
COVERAGE
Additional Covers Available
Depending on your property’s requirements, your policy may also include or offer optional cover for:
HOW WE ARE DIFFERENT
Why Choose Compare Property Insurance?
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Whether you own a converted property, a purpose-built apartment block, or a portfolio of residential developments, we’ll help you compare specialist Freeholder Insurance from leading UK insurers.