The whole building
Discuss the reinstatement value, structure, shared areas and any mixed residential or other use.
Specialist UK insurance broker
Block of Flats Insurance
A shared building.
One considered policy.
For freeholders and management companies, from converted houses to purpose-built blocks. We help you consider the whole building, shared areas and the way the flats are occupied.
Personal advice · Mon–Fri, 9am – 5.30pm
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A UK property insurance specialist, the same person every time. No phone menus.
01832 735388FCA regulatedProperty Expert Ltd
Authorised and regulated by the Financial Conduct Authority.
Firm Reference Number: 615253What is block of flats insurance?
Block of flats insurance is designed to protect the building and, where included, communal contents and associated liabilities. The Home Insurer helps freeholders and management companies compare suitable policies for converted and purpose-built blocks through a panel of specialist insurers.
Communal contents & liability
Ask about contents in common areas and the relevant property liability cover, checking limits and exclusions.
Additional protections
Discuss loss of rent, legal expenses, terrorism and directors’ and officers’ cover where required and available. These are not automatically included in every policy.
Cover is subject to underwriting, policy terms, limits, conditions and exclusions. Your quotation and policy documents confirm what is included.
Before we talkThe details that help
The details that help
us get it right.
- The freeholder or management company arranging cover.
- Number of flats, floors, construction and whether purpose-built or converted.
- The rebuild or declared value, occupancy mix and claims history.
- Lifts, fire precautions, shared facilities and any non-residential use.
Get the declared value right
Some policies use a declared value with a day-one uplift. The uplift does not remove the need for an accurate starting valuation. Ask us how the quotation handles inflation, reinstatement, professional fees and communal contents. The insured entity and interests should also match the ownership and management arrangement.
Check the cover, not just the price
Individual residents’ possessions are not automatically insured by a block policy. Check communal contents, liability, loss of rent and additional covers separately. Limits and eligibility vary between providers.
Cost & comparisonWhat affects
What affects
your premium?
The block’s rebuild value, size, construction, occupancy, facilities and claims history influence the price. Check the underlying declared value, uplift, excesses, liability limits and extensions rather than only the premium.
Send us your renewal terms if you have them. We can compare the cover, excesses and conditions with the options available through our panel and explain our recommendation.
People you can speak to
Tom Chapman
Head of Sales · The Home Insurer
Our team can discuss small converted buildings and larger blocks. Provide the rebuild value, number of flats and occupancy details so we can compare the available protection for the whole building.
Talk to our team on 01832 735388Read Tom’s bio →A little clarityYour questions,
Your questions,
answered.
Something specific to your property?
Talk it through with us.
Who can arrange block of flats insurance?
We can discuss cover with freeholders and management companies responsible for the building. Confirm who is required to insure it under the relevant ownership and management arrangements.
Can you cover converted buildings?
Yes, we can consider converted as well as purpose-built blocks. Provide the original construction, conversion details, number of flats and occupancy mix.
Is each flat’s contents included?
Not automatically. Contents in common areas and residents’ own belongings are different requirements. Residents should check their own contents arrangements.
Does a day-one uplift replace a rebuild valuation?
No. The base declared value still needs to be accurate. Ask how the uplift works and whether the valuation reflects the whole building and relevant reinstatement costs.
Can terrorism or directors’ and officers’ cover be added?
We can discuss these options where available. The need, limits and conditions depend on the building and management arrangement; ask for each extension to be clearly identified.
What is my rebuild cost?
The rebuild cost is what it would cost to rebuild your property from scratch, including demolition, VAT, site clearance and architects’ and surveyors’ fees. It is not the market value and not what you paid for it. For older, listed, thatched or stone-built properties it is often considerably higher than market value.
We must use the figure you give us. If it is too low, your insurer can reduce a claim in proportion — a 40% shortfall can mean 40% taken off any claim, including small ones. A £20,000 escape of water claim could pay out £12,000.
So that this doesn’t happen to you:
- If you’re confident in your figure, please check it still reflects any extension or alteration since it was last set.
- If you’re not confident, we strongly recommend a reinstatement cost assessment by a RICS-regulated surveyor. For a listed, thatched or non-standard property we consider a site visit necessary rather than a remote or desktop report — the features that drive the cost can’t be seen from photographs or aerial imagery.
You can find a RICS-regulated surveyor in your area through the RICS directory at dir.rics.org. We don’t receive any payment from surveyors and we don’t have a panel — the choice of firm is entirely yours, and your contract will be with them.
If you’d rather talk it through first, call us on 01832 735388 and we’ll explain what to ask for.
Please review your rebuild cost at every renewal, and whenever you extend or alter the property.
More detail, with a worked example, in our rebuild cost guide.
Let’s talk about
the cover you need.
Tell us about your property and we’ll help you understand the options available.
Buy with confidence
Authorised, regulated, and accountable.
The Home Insurer is a trading style of Property Expert Limited, authorised and regulated by the Financial Conduct Authority under firm reference number 615253, and a member of the British Insurance Brokers' Association.
Under the FCA's Consumer Duty we are committed to fair-value policies you can depend upon when you need them, and to good outcomes for every customer.
We place cover through a panel that includes Lloyd's of London markets, and we tell you which insurer we have recommended and why before you buy.