Buildings and communal area cover for freeholders, RMCs and share-of-freehold blocks, arranged for the whole building.
Buildings and communal area cover for freeholders, RMCs and share-of-freehold blocks, arranged for the whole building.
Whole structureCommunal areasRMC directors’ liability
Compare from 20+ trusted insurers
Speak to a specialist 0330 027 0996
Block of flats insurance covers an entire building containing multiple flats, arranged by whoever is responsible under the lease, usually the freeholder, a residents’ management company or a right to manage company.
Individual leaseholders can’t insure their own flat’s structure. The lease almost always requires the building to be insured as a whole, with the cost recovered through the service charge.
The right block cover depends on:
Number of flats in the blockWho holds the insuring obligationWhether flats are let or owner-occupiedBuilding construction and heightRebuild cost of the whole blockLifts, boilers and plant
Is block of flats insurance right for your building?
Is block of flats insurance right for your building?
If you hold the insuring obligation for a building containing multiple flats, this is the cover built for that responsibility.
If you hold the insuring obligation for a building containing multiple flats, this is the cover built for that responsibility.
Freeholders
Where you own the freehold and carry the insuring obligation under the leases.
Residents’ Management Companies
Where leaseholders collectively manage the block through an RMC.
Right to Manage Companies
Where leaseholders have exercised RTM and taken over management.
Share of Freehold
Where flat owners jointly own the freehold and arrange cover between them.
Managing Agents
Where an agent arranges cover on behalf of the freeholder or RMC.
Mixed-Use Blocks
Where flats sit above shops, offices or other commercial units.
What could put your block at risk?
What could put your block at risk?
Escape of water between flats is the most frequent block claim, with communal area injuries and underinsurance close behind.
Escape of water between flats is the most frequent block claim, with communal area injuries and underinsurance close behind.
How could a claim affect the block?
How could a claim affect the block?
Damage in a block rarely stays in one flat, and repairs affect every leaseholder. Here are four scenarios and the cover that responds.
Damage in a block rarely stays in one flat, and repairs affect every leaseholder. Here are four scenarios and the cover that responds.
Fire
A fire in one flat damages neighbouring flats and communal areas.
What cover may respond?
Buildings + Alternative Accommodation
Escape of Water
A leak from an upper flat damages several flats below.
What cover may respond?
Buildings + Property Owners’ Liability
Storm Damage
Storm damage to the roof affects the whole building.
What cover may respond?
Buildings
Visitor Injury
A visitor slips on a communal staircase.
What cover may respond?
Property Owners’ Liability
Whoever holds the insuring obligation under the leases, usually the freeholder, RMC or RTM company. Individual leaseholders can’t insure the structure separately, so the block must be covered as a whole.
This cover may be suitable for:
Freeholders of residential blocksResidents’ management companiesRight to manage companiesManaging agents acting for a blockOwners of converted houses into flatsMixed-use blocks with commercial unitsCover built around the whole building
Cover built around the whole building
Block cover insures the whole structure and communal areas together, then adds liability, alternative accommodation and directors’ cover for those managing it.
Block cover insures the whole structure and communal areas together, then adds liability, alternative accommodation and directors’ cover for those managing it.
Buildings Insurance
Covers the entire structure including all flats and communal areas, set to full rebuild cost.
Property Owners’ Liability
Protection if a resident or visitor is injured in a shared hallway, stairwell, lift or car park.
Alternative Accommodation
Helps rehouse residents if the block becomes uninhabitable after an insured event.
Communal Contents
Covers carpets, lighting and furnishings in shared areas, plus any communal equipment.
Directors’ & Officers’ Liability
Protects RMC and RTM directors personally against claims arising from managing the block.
Engineering & Plant
Covers lifts, communal boilers and door entry systems, including statutory inspection where required.
How the quote process works
How the quote process works
Getting block of flats insurance takes four steps: tell us about the building, set the rebuild cost, compare specialist insurers, then get covered, often the same day.
Getting block of flats insurance takes four steps: tell us about the building, set the rebuild cost, compare specialist insurers, then get covered, often the same day.
Tell us about the block
Number of flats, construction, and who insures it.
Set the rebuild cost
The full rebuild value of the entire building, not individual flats.
We compare specialist insurers
We search insurers who underwrite blocks of flats.
Get covered and get your documents
Receive your policy documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Block of flats insurance guides
Block of flats insurance guides
Practical advice on lease obligations, rebuild costs and communal areas.
Practical advice on lease obligations, rebuild costs and communal areas.
Does the Renters’ Rights Bill Change Your Landlord Insurance?
The Renters’ Rights Act introduces some of the biggest changes to England’s private rented sector in decades. From the removal of Section 21 ‘no fault’ evictions to changes in tenancy agreements and rent increases, landlords now face a different legal landscape than they did just a few years ago.
How to Reduce Your Landlord Insurance Premiums
Landlord insurance is a vital cost for protecting your rental property, but that doesn’t mean you should overpay. This guide explains how to reasonably reduce your landlord insurance premiums while still protecting your investment.
Top Landlord Insurance Claims And How To Prevent Them
Most landlord insurance claims follow familiar patterns. But the emerging pattern in 2025-26 is how often they happen and how much they cost. Rising repair prices and more extreme weather mean even routine claims are becoming more expensive.
Landlord Insurance UK: What Every Buy-to-Let Owner Needs to Know
Owning a buy-to-let property can offer a reliable income stream, but it also brings exposure to risks that standard home insurance may not cover. From accidental damage to liability claims and tenant-related losses, landlords face a unique set of challenges. Landlord insurance can provide tailored protection to help safeguard rental income, the property itself, and the landlord’s legal responsibilities.
Landlord Insurance Claims: What to Do When Tenants Cause Damage or Rent Goes Unpaid
Letting a property can bring consistent returns, but it can also come with unexpected challenges. From physical damage caused by tenants to rent arrears that disrupt income, landlords may face situations that require a carefully managed insurance claim.
Why Hidden Risks Can Cost Landlords Thousands
Many landlords think they are covered because they hold a general business or property policy. But commercial property insurance is designed to address the real threats landlords face. Without it, one event can lead to huge losses.
Landlord Insurance Mistakes: 5 Things UK Property Owners Get Wrong
When arranging residential landlord insurance in the UK, it can be easy to assume standard policies cover everything. However, there are several common mistakes property owners make when choosing or reviewing their level of cover. Overlooking these could leave landlords exposed to financial risks.
What Commercial Landlord Insurance Actually Covers: From Fires to Tenant Lawsuits
When owning a commercial property, arranging the right commercial landlord insurance can help protect both the building and your business interests. While many property owners understand the basics, not everyone knows exactly what this type of cover includes. From fire damage to legal actions linked to tenants, commercial landlord insurance could offer vital financial protection.
Do You Need Landlord Insurance If Your Tenant Already Has Business Insurance?
When letting out a commercial property, some landlords assume that if a tenant holds business insurance, it covers all risks. In reality, commercial landlord insurance and tenant business insurance serve different purposes. Knowing where the responsibilities lie helps property owners avoid gaps in financial protection.
Block of flats insurance FAQs
Block of flats insurance FAQs
Straight answers on responsibility, rebuild costs and service charges.
Straight answers on responsibility, rebuild costs and service charges.
It covers an entire building containing multiple flats, including all the individual flats and communal areas, arranged by whoever holds the insuring obligation under the leases.
Still have questions?
Our advisers are here to help you find the right solution.
