Blocks of Flats Insurance
Our comprehensive policies cover structural damage, liability, and more, ensuring peace of mind for landlords, property owners and managing agents.
We Specialise in Blocks of Flats Insurance
Block of flats insurance for freeholders, leaseholders and management companies.
Whether you’re a leaseholder, freeholder, or part of a management company, we offer expert advice on the best bespoke Blocks of Flats Insurance (also known as Block Insurance or Flat Insurance) for your needs.
Our experienced team is here to answer any questions and arrange coverage for apartments, converted houses, and purpose-built blocks of flats. Let us help you find the perfect insurance solution for your property.
What does Blocks of Flats Insurance Cover?
Building Structure
Protection against damage to the physical building structure from risks like fire, floods, storms & vandalism.
Alternative Accommodation
Coverage for the cost of alternative accommodation for residents if the flats are temporarily uninhabitable.
Employer's Liability
Required if the property employs staff. Protects against claims from injury or illness sustained at work.
Legal Expenses
Coverage for legal costs incurred in property disputes or tenant issues.
Liability
Coverage for legal liabilities if someone is injured at the property or if there is damage to a third party’s property.
Communal Areas
Protection for shared spaces & communal areas like hallways, lobbies, gardens, and car parks.
Accidental Damage
Coverage for unforeseen accidental damage to the property, including fixtures & fittings.
Loss of Rent
Compensation for loss of rental income if the flats become uninhabitable due to an insured event.
Contents
Cover for contents owned by the landlord of the property including communal areas.
Subsidence
Protection against damage caused by the ground sinking, which can affect the building’s structure.
Our property experts are here to
make insuring flats easy.
What Types of Flats Can Block Insurance Cover?
Discover comprehensive block insurance coverage tailored to your unique property, whether it’s a historic listed building or a modern city apartment block.
Our block insurance policies cater to both standard and non-standard constructions, including listed buildings. Whether you own small converted houses, large detached properties, warehouse and loft conversions, or purpose-built blocks of any size, we’ve got you covered. Our coverage extends to properties in city centres, historic market towns, inland waterways, and seaside destinations, to name just a few.
Arranging block of flats insurance can be complex, as it differs significantly from regular home insurance. A block policy provides essential protection for property owners, offering funds to cover repair costs if the property is damaged and even the cost of rebuilding in the event of a ‘total loss.’
It’s not just the building that requires protection. Consider any landscaping, gardens, garages, or outbuildings. Ensure these are covered under your block of flats insurance policy, and if not, you may be able to add them for comprehensive coverage.
Our in-house claims department
Here at A-One, we benefit from an in-house claims department. This means that should you need to make a claim on your policy, you will be appointed a dedicated claims handler to manage your claim from start to finish. Our handlers will bridge the gap between you and your insurer. Working to achieve the best possible outcome on your behalf.
This means you'll have one point of contact to manage your claim from start to finish.
Additional Blocks of Flats Insurance Options
Managing a block of flats comes with unique challenges and responsibilities, from ensuring the safety and comfort of residents to maintaining the building’s structural integrity. One critical aspect of property management is securing comprehensive insurance coverage. Standard blocks of flats insurance typically covers the basics such as building protection, liability, and some level of contents coverage. However, additional options are available that can provide more extensive protection tailored to the specific needs of block owners and managers.
These additional options enhance the standard policy, addressing the various risks and scenarios that could impact the property and its residents. By considering these supplementary coverages, property managers can ensure they are better prepared for unforeseen events and mitigate potential financial losses.
Director's & Officers (D&O)
Protects directors and officers from personal liability arising from decisions made while managing a company.
Approved Property Valuations
We’re pleased to work with rebuildcostassessment.com to offer both on-site and desktop valuations.
Lifts, Plant & Machinery
Offers inspection and cover in a single policy, ensuring compliance with legal standards for lifts and machinery.
Terrorism Cover
Cover for damage caused to your property as a result of an act of terrorism.
Flats Insurance FAQ’s
What is blocks of flats insurance?
Blocks of flats insurance is a specialist insurance policy designed to provide comprehensive coverage for residential apartment buildings with multiple units. It protects property owners and landlords against various risks such as structural damage, liability claims, loss of rent, and more.