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Blocks of Flats Insurance
Jensten Insurance Brokers specialist property team is here to help with insurance for your block of flats.
What is Block of Flats Insurance?
Block of Flats Insurance, sometimes known as Landlord Insurance for flats, is designed to protect landlords who own multiple units within a single building. Owning more properties can come with increased risk, which is why block of flats insurance combines various cover options.
This type of policy is ideal for freeholders, leaseholders, or management companies overseeing the property.
Having Block of Flats Building Insurance in place can be beneficial in a variety of scenarios. Here are some common examples:
- Fire of flood damage
- Vandalism or theft
- Accidents in communal areas
- Building structure damage
- Loss of rent
- Legal costs
- Landlords Contents including those in communal areas
- Tenant or visitor injury
- Property maintenance issues
- Building renovations
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What does Blocks of Flats Insurance cover?
Every block of flats is different, we can arrange insurance to protect against the following risks, depending on your needs:
- Accidental damage
- Subsidence
- Escape of water
- Malicious damage
- Theft
- Storm
- Flood
- Impact
- Landlord contents including those in communal areas
- Property owners’ liability
- Loss of rent
- Alternative accommodation
Why use Jensten
Dedicated
A team of brokers who can advise on your property insurance needs
Trusted
We are the trusted broker to Property Professionals.
Flexibility
Tailored insurance to the needs of your business
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Our team of UK-based insurance experts are here to help, Monday – Friday, 9am -5pm.
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Who Is Block of Flats Insurance For?
Whether you own flats within a converted building or own an extensive portfolio of properties, Block of Flats Insurance can provide cover for:
Purpose built blocks: Buildings designed and constructed specifically as multi-unit residences, typically featuring shared amenities such as common areas, entrances, and other facilities.
Converted properties: Buildings that have been repurposed from their original use (such as warehouses, offices, or single-family homes) into multiple residential units.
Listed buildings: Properties that are legally protected due to their historical or architectural importance, meaning they must be preserved and maintained in accordance with specific regulations.
Standard construction properties: Flats located in buildings built using traditional construction materials and methods, without any distinctive or unusual architectural features.
Block of Flats Building Insurance with Jensten Insurance Brokers
If you are a property company, landlord or leaseholder looking for insurance for your block of flats, get in touch with Jensten Insurance Broker’s specialist property insurance team who is on hand to help.
They will highlight the risks to you and your business and research the insurance market on your behalf to arrange property insurance tailored to your needs.
Other types of Property Insurance we can support with:
For some tailored insurance help, please contact the Jensten Motor Trade team today or call them on 0208 298 2100.
Need Blocks of Flats Insurance?
For comprehensive Blocks of Flats Insurance
Blocks of Flats Insurance
Flats Building Insurance can be a complex area of cover, so to help you get the protection you need, here are the answers to some frequently asked questions
Who insures a block of flats?
The responsibility for insuring a block of flats is usually down to the freeholder or the management company that oversees the building.
However, if the building is divided into leasehold flats, the policy may be arranged by the freeholder or a property management company on behalf of the leaseholders. Often, leaseholders will contribute towards the cost of the insurance through service charges or ground rent.
Does building insurance cover leaks in flats?
Building insurance generally covers leaks that originate from the structure of the building itself, such as a burst pipe or roof leak that causes water damage to the communal areas or individual flats. However, the specifics of the cover can depend on the cause of the leak and the policy wording.
Who pays building insurance on a leasehold flat?
For a leasehold flat, the freeholder or management company usually arranges the building insurance for the property. However, the leaseholders can contribute towards the cost of the insurance through service charges. The amount each leaseholder pays depends on the terms of the lease and the arrangements for the building.
How does cladding affect block of flats insurance?
The presence of cladding on a block of flats can have a significant impact on block of flats insurance, especially considering increased awareness of fire safety issues following high-profile incidents such as the Grenfell Tower fire.
Buildings with certain types of cladding, particularly flammable materials, or combustible cladding, may face higher premiums or more stringent requirements for insurance.
You should check with your broker and insurer on specific requirements regarding cladding.
