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 for flats?

Then you’ve come to the right place.

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

Insurance for Blocks of Flats

Our flats insurance policies are recognised as one of the most reliable policies on the market. They provide 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 flats insurance policies 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 flats insurance policies have been specifically created for Residents’ Associations, Residents’ Management Companies and all who are involved with managing blocks of flats and apartments. If you are arranging flats insurance 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 policies are provided alongside gold standard levels of cover to give you and your fellow residents peace of mind.

Review our policy wordings here so that you can see what extras we provide.

What will my Block of Flats policy cover me against?

We provide a range of ‘All Risks’ policies. Our building insurance for flats will cover your block of flats or apartments against perils such as:

  • Fire
  • Lightning
  • Earthquake
  • Storm
  • Flood
  • Malicious Damage
  • Theft
  • Subsidence
  • Ground Heave and Landslip

For a full specification of everything we cover, please refer to our Policy Wordings and Product Downloads.

Which areas of my Block of Flats are covered?

Whether you need insurance for a block of flats that’s purpose-built block or a mill, house, hotel, mill that have been converted in to a block of flat, don’t worry – we cover all. Our comprehensive policies will cover internal and external features of your flats, 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 Policy Wordings and Product Downloads.

What else is included in my Flats Insurance policy?

You will also automatically receive all these extras: 

  • 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.

How can I get a Block of Flats Insurance quote?

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

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