Flat Insurance

Flat insurance for owner occupiers
Contents of flats are usually insured by the tenant or owner / occupier. The buildings are generally insured by the landlord on a block policy (although tenants can group together and buy this cover) If you own a flat, you often pay for buildings insurance as part of the service charge. If it's not included then it's up to you to find cover. Premiums are based on the property's rebuilding cost, therefore a house won't necessarily cost more to insure just because it's been converted into flats.

What if I rent out my flat?
If you rent you’re flat out then as the landlord you are responsible for making sure it has adequate buildings insurance.

To find the best deal for your flat insurance and compare premiums from the leading flat insurers follow the link

Flat owner's insurance responsibility

Buildings cover for the flats are usually in a block under one policy, as it's easier to identify who's responsible for common parts like halls, stairways and the roof.

But sometimes each owner will be responsible for their own buildings insurance if, for example, a building has been converted into two self-contained flats. And in Scotland, your title deeds determine whether you arrange the insurance yourself or collectively with other flat owners. Other important sites for - Property Insurance and Landlord Insurance