Buildings Insurance for Blocks of Flats and Apartments

Do you need an insurance quote for your block of flats? Are you looking for bespoke cover and highly competitive premiums? Would you like to find out more about Buildings Insurance policies for flats?

Then you’ve come to the right place.

At Residentsline, we only provide specialist insurance for blocks of flats and apartments. All our exclusively designed insurance policies are underwritten by A-rated insurance companies who offer dependable, market-leading cover. With us, you can always be sure that you’re receiving the most comprehensive protection available at the most competitive price we can find.

Our residential block of flats Buildings Insurance policy is recognised as one of the most reliable policies on the market. It provides cover on an ‘All Risks’ basis, which basically means you’ll be protected against the widest possible range of risks. That includes damage caused by fire, flood, subsidence, storm, ground heave, as well as accidental and malicious damage, theft, damage caused by riot or civil commotion, and escape of water or oil. Our policy covers the bricks and mortar of the building, as well as furnishings and contents; this protection also extends across any external buildings, garages, swimming pools, garden walls, patios, roads, driveways, underground pipes, communal areas, plus a great deal more.

Our Buildings Insurance policy has been specifically created for Residential Associations, Residential Management Companies and all who are involved with managing blocks of flats and apartments. If you are arranging insurance for flats as a freeholder or on behalf of your Residents’ Management Company or Residents’ Association, you will want to be sure that you are obtaining the best cover available. With Residentsline you will automatically receive a 24-hour claims line and emergency service helpline, so you’ll never be without the support that you need.

All our insurance policies for blocks of flats and apartments are provided alongside gold standard levels of cover to give you and your fellow residents peace of mind.

Review our Buildings Insurance Policy Wording here, along with our Cover Comparison checklist, so that you can see what extras we provide.

What will I be covered against?

As an ‘All Risks’ policy, our Buildings Insurance will cover your block of flats/apartments against perils such as:

  • Fire
  • Lightning
  • Earthquake
  • Storm
  • Flood
  • Malicious Damage
  • Theft
  • Subsidence
  • Ground Heave and Landslip
  • All other Accidental Damage not specifically excluded in our Policy Wording.

For a full specification of everything we cover, please refer to our Summary of Cover and our Policy Wording.

Which areas of my property are covered?

Whether you need insurance for a purpose-built block of flats or a converted building, don’t worry – we cover both. Our comprehensive policy will cover internal and external features of your property, such as:

  • Interior decorations, kitchen and bathroom fixtures, fixed glass and light fittings;
  • Outbuildings, garages and car ports;
  • Spas, swimming pools and tennis courts used by residents for domestic and leisure purposes;
  • Garden walls, roads, car parks, lampposts, underground pipes, cables and overhead services;
  • Landlord’s fixtures and fittings and lessee’s improvements; and
  • Any common areas to the insured property, including furniture, furnishings and other property of the Insured or for which the Insured is responsible.

For a full specification of everything we cover, please refer to our Summary of Cover and our Policy Wording.

What else is included in my policy?

When you invest in our Buildings Insurance policy for your block of flats or apartments, you will also automatically receive cover for: 

  • Loss of/damage to contents of communal areas;
  • Alternative accommodation or loss of rent;
  • Legal liability for injury to employees;
  • Legal liability for injury to the public or residents;
  • Replacement of communal door locks following a theft of keys; and
  • Loss of Residents’ Management Company cash.

PLEASE NOTE: This page provides an overview of our standard policy cover, the details of which may not apply if your Policy Wording specifies otherwise. Please speak to a member of our team for more information.

How can I get my Buildings Insurance policy?

We know insurance for flats and apartments can be daunting, so we’ll walk you through the entire process from start to finish. And we’ll still be there for you all the way through your policy, just in case you need anything. You can count on it.

To begin your journey with us, start by getting your free Block of Flats Insurance quote. You can do this by calling us on 0800 281 235 to speak to a friendly member of our team who will provide you with all the details you need.

Alternatively, you can email us at info@residentsline.co.uk or click here to complete one of our online quotation forms and we’ll aim to get your quote back to you within two hours.

Get a Quote

Get in touch with our friendly, experienced and professional team today for more information.

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“The level of customer service received was exceptional. Their friendly team were extremely knowledgeable and went ‘above and beyond’ expectations. I would certainly have no hesitation in recommending Residentsline to anyone I know.”

James Alexander

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