Freeholder Buildings Insurance
Protect your property, safeguard your future – freeholder buildings insurance tailored for peace of mind.
Comprehensive coverage for every corner of your building.
Don’t leave your property’s future to chance. Choose coverage that’s built to last.
Understanding Freeholder Buildings Insurance
Freeholder buildings insurance provides coverage for the physical structure of a property owned by the freeholder. In scenarios such as blocks of flats, while individual units may be owned by leaseholders, the freeholder retains ownership of the building’s structure and the land it occupies. This ownership comes with the responsibility of maintaining the building and ensuring adequate freeholder buildings insurance is in place.
What Does Freeholder Insurance Cover?
Structural Damage
Protection against damages from natural disasters like storms, floods, and fires.
Theft & Vandalism
Protection against theft, attempted theft, and malicious damage.
Subsidence & Movement
Coverage for issues like subsidence, heave, or landslip.
Legal Expenses
Coverage for legal defense costs arising from property-related disputes.
Escape of Water
Insurance against damage from burst pipes leading to water or oil escape.
Business Interruption
Protection against loss of income following damage to your property.
Is Freeholder Insurance Legally Required & How Much Does it Cost?
While not legally mandated, many mortgage lenders require freeholders to have buildings insurance in place. Beyond lender requirements, having comprehensive insurance is prudent to protect against potential liabilities and unforeseen events.
The cost of freeholder buildings insurance varies based on factors such as the property’s location, type, selected coverage options, and the insurer’s criteria. Collaborating with an experienced insurance broker can help you find a policy tailored to your specific needs and budget.
For expert advice and a bespoke freeholder buildings insurance quote, consider reaching out to one of our experts who can guide you through the process and ensure your property is adequately protected.
Our experts are here to
make insuring your property easy.

We have a team of experts ready to help you.
As a freeholder, you deserve the best. Let us provide the comprehensive insurance coverage your property needs.
Arranging freeholder insurance can be complex, as it differs significantly from standard home insurance. A comprehensive policy provides essential protection for freeholders, 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 structure that requires protection. Don’t overlook landscaping, gardens, garages, or outbuildings. Ensure these are included under your freeholder insurance policy, or explore additional options to secure full coverage for every part of your property.
Tailored Solutions
Flexible options designed to meet the unique requirements of your block of flats.
Trusted Expertise
Backed by years of experience in supporting residential and community associations.
Peace of Mind
Safeguard your property, liabilities, and people with reliable, robust insurance solutions—all at competitive premiums.

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.