Block of Flats Insurance

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Compare block of flats insurance quotes from UK’s leading landlord insurers including:

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Why Compare Cheap Block of Flats Insurance Quotes With SimplyQuote

SimplyQuote understands how time-consuming, stressful and downright frustrating finding better insurance deals can be.

That’s why we have the perfect solution for busy landlords: the free, online, comparison tool.

Access a wide range of block of flats insurance quotes from leading UK providers, in just a few clicks. Simply fill in a few basic details, click “compare quotes” and viola!

Whether you’re the freeholder, leaseholder or management company, we’ll help you find insurance for your property needs.

Quick. Simple. And stress-free!


What Do You Need To Get A Quote?

Why Do You Need Block of Flats Insurance?

What Does Block Of Flats Insurance Cover?

What Types Of Block Of Flats Insurance Can You Get?

Living SituationType of Insurance Policy
You rent a flatContents only
You rent a flat with othersContents only
LeaseholderContents only. May have to pay a portion towards buildings insurance, depending on the agreement with the freeholder.
FreeholderContents and buildings insurance
Own multiple flats Portfolio landlord insurance (buildings insurance cover at least)

What Add-Ons Are Available For Block Of Flats Insurance? 

There are a number of optional extras you can add to your landlord insurance policy:

Alternative accommodation

when you need to rehouse tenants temporarily.

Loss of rent

when tenants move out due to a covered event (e.g. storm damage).

Replacement keys

if keys are stolen, lost or misplaced.

Employers’ liability insurance

if you employ staff at your rental property (e.g. cleaners, gardeners). This may or may not be “standard” within your policy – check details with your insurer.

Landlord liability insurance

similar to public liability but specifically aimed at landlords for legal disputes.

Outbuilding insurance

covers outhouses (e.g. storage units, garages) in the event of damage. May also include cover for landscaping and gardens – check with your chosen insurer.

Contents insurance

compensates for damaged/broken interior items in furnished properties. However, it won’t cover tenants’ content. May also go by the name “communal contents insurance.”

Home emergency cover

provides 24/7 access to emergency services (e.g. plumbers, electricians).

Malicious damage

cover intentional damage to the property/s.

Boiler cover

covers the costs to replace/repair faulty boilers.

Terrorism insurance

covers properties against acts of terrorism.

Engineering and inspection cover

including passenger lifts.

Extended legal expenses cover

including tenant disputes.

Multi-story insurance

Multi-story insurance – most insurers only cover flats up to 10 storeys.

How Much Does Block Of Flats Insurance Cost?

How To Compare Block Of Flats Insurance Quotes With SimplyQuote?

Comparing block insurance quotes with SimplyQuote is simple:

  1. Fill in the short form: Tell us about yourself and your property.
  2. Choose policy add-ons: Choose which optional extras you want.
  3. Compare quotes: Find a quote to suit your budget and rental property needs.
  4. Save money: Get the best deal today.
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Frequently Asked Questions

What is block of flats insurance?

This is a type of landlord insurance specifically designed for landlords who own an entire block of flats. It provides comprehensive coverage for the entire building, including all of the flats that will be leased or rented out by the freeholder. This insurance also covers residential blocks, and it can provide cover for commercial tenants in addition to properties that have been turned into flats.

Is block of flats insurance a legal requirement?

No, you are not required to have blocks of flats insurance by law. However, your mortgage company may require that you have a block of flats insurance policy (i.e. buy-to-let insurance).

Does the mortgage provider pay for flat insurance?

No. The freeholder usually takes out a communal block of flats insurance policy. Leaseholders will then contribute to the premium via the annual service charge. This charge usually covers the entire block of flats.

Will my insurance cover communal areas?

This depends on your insurance policy. Some insurance providers may cover communal areas such as hallways, stairwells, gardens and car parks.