Block of flats insurance

Whether you are the freeholder of a building comprising of flats, a leaseholder of a flat within a building, or part of a management company or residents association responsible for the management of a block of flats, you may be responsible for arranging a specialist block of flats insurance policy, often referred to as block insurance. In short, this provides buildings insurance for the entire building, providing cover against a wide range of perils including fire, storm, escape of water, subsidence and accidental damage.

What does buildings insurance cover in a block of flats?

Block of flats insurance, or block insurance, provides buildings insurance for the entire building, including communal gardens, driveways and any outbuildings. In addition to providing cover against all the perils you would expect of a typical property insurance policy such as fire, storm, escape of water and subsidence, the following additional benefits are included:

  • Accidental damage cover
  • Trace and access insurance to cover the costs involved in finding the source of a leak (pulling up the flooring or ceiling, for example)
  • An automatic uplift to the building sum insured to protect against unforeseen inflationary costs of reinstatement in the event of a claim which would not have been accounted for at inception of the policy
  • Loss of rent and alternative accommodation costs if the building cannot be occupied following an insured event
  • Multiple occupancy arrangements, if there is a mixture of owner-occupied, let or unoccupied flats all within one building
  • Contents cover for communal areas
  • Theft or malicious damage by guests or tenants
  • Employers Liability up to £10,000,000 for accidents to domestic employees or tradesmen whose services have been employed in the maintenance of the property
  • Property Owners Liability to cover your legal liability to the public in the event of injury

Have you thought about….

  • Legal Expenses insurance
  • Directors & Officers Liability if you are a director of a management company
  • Engineering and Inspection insurance if there is a lift
  • Tenants Improvements if you are a leaseholder and need to insure an addition or improvement to your flat such as a new kitchen or bathroom

Why choose us?

At Alastair James Insurance Brokers, we have an extensive panel of insurers providing specialist cover for a variety of building types including:

 

  • Converted buildings
  • Listed buildings
  • Purpose-built buildings
  • Maisonettes
  • Non-standard construction
  • Commercial premises

Don't Take Our Word For It

I had tried lots of other brokers but some didn’t bother to get back to me

I had tried lots of other brokers but some didn’t bother to get back to me, and others couldn’t offer cover for our property. I found your service very professional and efficient. It is nice to speak with an individual person rather than a large company of telesales people!

I should be happy to reco…

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Mrs H.W

I had tried lots of other brokers but some didn’t bother to get back to me

I had tried lots of other brokers but some didn’t bother to get back to me, and others couldn’t offer cover for our property. I found your service very professional and efficient. It is nice to speak with an individual person rather than a large company of telesales people!

I should be happy to recommend you to anyone or act as a reference.

Mrs H.W

Great service and made sure I had everything I needed! Thank you!

Alastair kindly helped me with my office insurance when setting up the office last year! Great service and made sure I had everything I needed! Thank you!

Fran Coulter

Great service and made sure I had everything I needed! Thank you!

Alastair kindly helped me with my office insurance when setting up the office last year! Great service and made sure I had everything I needed! Thank you!

Fran Coulter

Would highly recommend

Great service for our home insurance. Found us a much cheaper and more comprehensive insurance than we’d previously had. Would highly recommend

Janet Flowers

Would highly recommend

Great service for our home insurance. Found us a much cheaper and more comprehensive insurance than we’d previously had. Would highly recommend

Janet Flowers

Open and honest at all times, and I would recommend him without a moment’s hesitation.

My situation has been complicated by a previous subsidence claim, but Alastair has gone above and beyond to help me find appropriate cover.
He has been responsive and efficient, while always providing excellent advice.
I have found him to be open and honest at all times, and I would recommend him without a mo…

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Dave Cooper

Open and honest at all times, and I would recommend him without a moment’s hesitation.

My situation has been complicated by a previous subsidence claim, but Alastair has gone above and beyond to help me find appropriate cover.
He has been responsive and efficient, while always providing excellent advice.
I have found him to be open and honest at all times, and I would recommend him without a moment’s hesitation.
Thank you Alastair.

Dave Cooper

Alastair has constantly found me better deals and provided exceptional service throughout

I have used Alastair James for car, building and contents insurance. Alastair has constantly found me better deals and provided exceptional service throughout. I will definitely be using their services again in the future.

Kier James Roff-Stanion

Alastair has constantly found me better deals and provided exceptional service throughout

I have used Alastair James for car, building and contents insurance. Alastair has constantly found me better deals and provided exceptional service throughout. I will definitely be using their services again in the future.

Kier James Roff-Stanion

I would thoroughly recommend using Alastair for all your insurance needs.

Alastair has sorted out a number of insurances for us with total professionalism and efficiency. He has dealt with our car and home insurance and in all cases he has come up with exactly what we wanted, balancing cost with cover and also some additional benefits we had not considered. I would thoroughly…

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Christine Helps

I would thoroughly recommend using Alastair for all your insurance needs.

Alastair has sorted out a number of insurances for us with total professionalism and efficiency. He has dealt with our car and home insurance and in all cases he has come up with exactly what we wanted, balancing cost with cover and also some additional benefits we had not considered. I would thoroughly recommend using Alastair for all your insurance needs.

Christine Helps

Will continue using for the foreseeable future.

Alastair has helped my brother and I with numerous insurance requirements for several years. He has always provided exceptional service and prompt responses. As a result we have always found the best deals for all our insurance needs. Will continue using for the foreseeable future.

Rowan Roff-Stanion

Will continue using for the foreseeable future.

Alastair has helped my brother and I with numerous insurance requirements for several years. He has always provided exceptional service and prompt responses. As a result we have always found the best deals for all our insurance needs. Will continue using for the foreseeable future.

Rowan Roff-Stanion

Really got to know me and my business and helped me get a better understanding of which cover I should have in place

Alastair provides a professional and personal insurance service. He really got to know me and my business and helped me get a better understanding of which cover I should have in place. Would definitely recommend talking to Alastair if your insurance is up for renewal

Miss A.T

Really got to know me and my business and helped me get a better understanding of which cover I should have in place

Alastair provides a professional and personal insurance service. He really got to know me and my business and helped me get a better understanding of which cover I should have in place. Would definitely recommend talking to Alastair if your insurance is up for renewal

Miss A.T

Alastair listens to your exact requirements

Alastair listens to your exact requirements and finds the policies that suit you. Drop him a message

Mr S.C

Alastair listens to your exact requirements

Alastair listens to your exact requirements and finds the policies that suit you. Drop him a message

Mr S.C

Excellent service, Alastair, thank you for all your help. I

Excellent service, Alastair, thank you for all your help. I look forward to speaking again when my other policies are due

Mr G.D

Excellent service, Alastair, thank you for all your help. I

Excellent service, Alastair, thank you for all your help. I look forward to speaking again when my other policies are due

Mr G.D

Thank you for your help

Thank you for your help. You have been most patient with me and it’s appreciated

Ms R.D

Thank you for your help

Thank you for your help. You have been most patient with me and it’s appreciated

Ms R.D

Polite, very helpful and professional.

Polite, very helpful and professional.

Tess Mariapa

Polite, very helpful and professional.

Polite, very helpful and professional.

Tess Mariapa

PRIVATE CLIENT INSURANCE BROKERS

As private client insurance brokers, we have access to a variety of insurers and underwriting agencies who specialise in the insurance of high value homes, contents, valuables, performance cars and classic cars.

COMMERCIAL CLIENTS

Through our role as commercial insurance brokers we can provide comprehensive cover for individual company directors and sole traders through to small and medium sized enterprises and national organisations.

ABOUT ALASTAIR

Alastair established Alastair James Insurance Brokers Limited after nearly twenty years’ experience in the insurance industry, in both the Commercial and Private Clients sector.

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