Block Of Flats Insurance
Block of Flats Insurance - Freeholders & Leaseholders
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Block of Flats Insurance
As a landlord or property owner of a block of flats, you are naturally exposed to numerous risks. When owning and managing a building block, you will require an insurance policy that goes much further than a traditional building insurance policy. You are at a much higher risk with multiple homes in one building block. At Crosby Insurance Broker we specialize in providing Block of Flats Insurance throughout the UK.
Our expert brokers are experienced in placing insurance for a block of flats. Accordingly, our advisors are experts and understand the intricacies of this specialised cover. Compared to other Brokers, our specialist policies offer considerably more for you.
With access to numerous insurers, we can help identify the solutions that will keep you protected in the event of a claim. Our service is to our clients; as such, we don’t take advice based solely on your premium costs. Instead, we will find the best solution for you and only then identify the best cost option, helping you maintain peace of mind.
Underinsurance is a common occurrence in buildings cover; if present upon a claim being made on your block of flats, it could be financially devastating to cover the shortfall. We recommend you update your rebuild valuation at least every two years to account for changing costs of material and labour. If you’d like to learn more, look at our Rebuild Cost Calculator.
Or complete our online quote form!
Free
Block of Flats Insurance Quote
What’s covered in a block of flats insurance policy?
The risks inherited with the ownership of a building block are numerous. As such, the correct block of flats insurance is crucial. Our expert brokers can provide advice on the ideal cover that would be most suitable for your business needs.
Our block of flats insurance solutions can be arranged for the following:
- Structural damage from floods, storms, fires and more
- Landlord sub lets
- Landscaping damage
- Loss of utility supplies
- Lock/key replacement
- Loss of rent
- Employer liability
- Public liability
- Tenant alternative accommodations during repairs caused by an insured peril
- And so much more
Every customer is different, so if you have other areas in addition to the above that you wish to discuss, please do not hesitate to contact us.
Finding unique insurance solutions for unique blocks of flats
We understand that keeping your business, block of flats and its tenants safe is a top priority, and the insurance solutions we can identify take this into account.
Buildings, in particular, are always unique, and as such, we can help provide cover if your block of flats requires a more custom policy. Our expert brokers have previously assisted in securing a block of flats insurance where the premises is built around or over commercial properties. This could include shops and offices that may make up some of the building.
We’ve got extensive experience in assisting landlords with cover in such eventualities. Our knowledge and skill when securing cover are helped by the wealth of insurers we have access to in various geographical locations.
Even non-standard blocks of flats that may come with inherent risks can often be covered with a policy. Some of our specialist insurers will be happy to protect you in such instances, for example, if your block of flats has a feature that increases flood risk or subsidence has occurred. No matter how complex or unique your situation is, we can assist with finding the correct cover at the right premium.
Contact us today and enquire about our insurance services
Who needs insurance for a building with multiple flats?
Firstly, while you should consider a block of flats insurance cover essential, it is not a legal requirement. Depending on your building’s mortgage, insurance may be a condition in your contract, so it’s vital to be aware of this. Going without a policy is extremely risky, so it is not recommended, as the financial impact of a claim could be devastating.
The cover is suitable for a range of properties, not just traditional building blocks. These include:
- Converted homes
- Large Flat Buildings
- Flats used as holiday homes
- Freeholder blocks of flats
Depending on the inherent risks and the costs in repairing or rebuilding your block of flats the range of insurers available to you as well as premium cost will vary.
What areas of my block of flats are protected with a policy?
A policy’s protection varies greatly based on your building, requirements, and how much cover you want. Regardless our broker team is experienced in providing fully comprehensive policies for maximum peace of mind. This kind of block of flats insurance can include cover for:
- Interiors - Including kitchen and bathroom fittings as well as lighting and glass
- Common areas - Including reception areas
- Outbuildings - Including garages and car ports
- Luxury Features - Including spas, swimming pools and tennis courts in use by your residents
- Gardens - Including landscaping and any amenities
- Infrastructure - Including lamp posts, roads, paths as well as both underground and overhead services
The nature and limitations to your coverage will of course vary based on your individual needs. To get an idea of what a potential policy could cover please get in touch with one of our team today.
Crosby is a reputable and reliable insurance provider that offers tailored insurance solutions for block of flats.
At Crosby Insurance Brokers, our advisors are trained correctly and have at least ten years of commercial business insurance broking experience.
The team is immensely knowledgeable and experienced in many types of properties. Using this knowledge, they will find you a good deal on the ideal block of flats building insurance policy quickly and easily for all our clients.
We also deal with many insurers and focus on providing our clients with a high-quality block of flats building insurance, expert guidance, and personalised customer service. We offer clients comparative quotes to ensure they always get the best price.
At Crosby Insurance Insurance Brokers, we have access to an entire block of flats building insurance premiums, which are not readily available with other Brokers. We make getting a block of flats buildings insurance easy to deal with and hassle-free.
Contact us today and enquire about our insurance services
Secure your property insurance today
If you’re ready to stop wondering if your current plan has you covered, don’t hesitate to contact our expert staff. Don’t let an inferior cover for a block of flats insurance threaten your buildings or business; stay safe with customised buildings insurance for blocks of flats.
Crosby Insurance Brokers we are an independent UK Insurance Broker. We’ll be happy to organise a no-obligation consultation with a member of our expert broker team today, or complete our quote request form online and get your accessible buildings insurance for a block of flats quote!
If you would like a quote for your building insurance for a block of flats, please call a member of our team today at 0800 0149 301.
Two reasons to act now!
- It is important for your protection to have your block of flats insurance in place before any claims are made–not just for you but also for anyone else on the property
- We can provide you with a no-risk quote within a day. Just fill out the short form above to get an inexpensive policy that will protect you and your home
We offer more than just a policy
See what we can do for you today
Free
Block of Flats Insurance Quote
We offer more than just a policy
See what we can do for you today
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