Block of Flats Insurance
Looking after a block of flats isn’t just about the day-to-day. As a freeholder, leaseholder or residents’ management company, you’re responsible for insuring the building itself and that means having the right policy in place.
At Chubb Thomas, we arrange block of flats insurance that covers the structure, shared areas and your legal responsibilities. Whether it’s a Victorian conversion or a purpose-built block, we’ll help you get the right residential block cover for your setup.
What Does Block of Flats Insurance Cover?
Every block is different, whether it’s four flats in a converted house or forty in a modern development. We’ll build your multi-unit building insurance around the specifics of your property and who manages it.
Your policy can include:
- Buildings insurance for the whole structure
- Property owner’s liability
- Cover for communal areas; stairwells, gardens, car parks
- Loss of rent and/or alternative accommodation
- Employers’ liability (for caretakers, gardeners, etc.)
- Directors’ and officers’ liability for management committees
- Optional contents cover for shared furnishings
Who Needs Residential Block Cover?
We help all kinds of property owners and managers arrange residential block cover for flats, including:
- Freeholders of converted or purpose-built blocks
- Resident-owned management companies (RMCs)
- Right to Manage (RTM) companies
- Property management firms
- Groups of leaseholders with shared freehold
If you’re responsible for the building itself, you’ll usually need this kind of insurance. We can walk you through your obligations and make sure you’ve got the right policy in place.
Why Choose Chubb Thomas?
- Truly independent insurance broker based in Bournemouth, with no corporate ties
- Insurance quotes tailored to your needs, across Dorset and surrounding areas
- Speak directly to your dedicated contact—no call centres, no waiting
- Work with your key person from start to finish
- Insurance quotes tailored to your needs, across Dorset and surrounding areas
- Fair fees and transparent advice every step of the way
- Independent and unbiased—we’re not tied to any insurer, so you always come first
- A reputation for excellence, delivering insurance services locally since the early 1980s.
FAQs
What is block of flats insurance?
It’s buildings insurance designed for properties split into multiple flats. It usually covers the structure, communal areas and liability risks.
Who arranges the insurance for a block of flats?
Usually the freeholder or the management company. If the leaseholders share ownership or have a right to manage, they’re responsible for arranging it collectively.
Is standard home insurance suitable for a flat block?
No. Standard policies don’t cover shared areas or the full structure. Block of flats insurance is designed specifically for multi-unit properties.
Can we include cover for things like garages or car parks?
Yes. Multi-unit building insurance can cover all communal features, including garages, stairwells, parking areas and outbuildings.
What if we have a mix of owner-occupiers and tenants?
That’s not a problem. We can tailor residential block cover to suit all types of occupancy, including rented and leasehold flats.
Why choose Chubb Thomas for block of flats insurance?
We’re a Dorset-based independent broker who works closely with freeholders and property managers. Just a named contact who’ll help find the right cover and support you if you need to claim.
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Trusted Dorset Insurance Broker
We’re a truly independent Dorset broker offering real advice, not scripts. offering tailored insurance quotes across Bournemouth, Poole, Weymouth, Dorchester and beyond. Whether you need personal, property or business cover, we deliver clear advice and a personal service every step of the way.
Contact Us
Let’s make your insurance work harder for your business. Drop us a message, give us a ring, or pop into our Bournemouth office—we’re always happy to chat.
Phone: 01202 778 000
Email: email@chubbthomas.co.uk