Property Owners Insurance

Block of Flats Insurance

Comprehensive protection for multi-unit residential buildings, covering communal areas, shared services, and complex liability exposures.

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Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What's Covered

Our block of flats insurance provides comprehensive protection tailored to the specific needs of freeholders, resident management companies, and property management firms.

Buildings Insurance

Full reinstatement cover for the entire structure including communal areas, roof, foundations, and external walls.

Common Parts Cover

Protection for shared spaces including hallways, stairwells, lifts, car parks, and landscaped gardens.

Directors & Officers Liability

Essential cover for RMC directors against personal liability arising from management decisions.

Property Owners Liability

Cover for third-party injury or property damage claims arising from the building or common areas.

Engineering Inspection

Statutory inspection and insurance for lifts, pressure systems, and other engineering plant.

Terrorism Cover

Optional protection against damage caused by acts of terrorism, often required by lenders.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Single Policy Solution

One comprehensive policy covering entire block and all communal areas.

D&O Cover Included

Directors & Officers liability included as standard for RMC protection.

24/7 Claims Support

Round-the-clock claims helpline with dedicated handler for your block.

Legal Expenses

Cover for lease disputes and legal costs arising from property management.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Freeholders of residential blocks
Resident Management Companies (RMCs)
Right to Manage (RTM) companies
Property management companies
Housing associations
Build-to-rent developers

What We'll Need for Your Quote

1
Full address and postcode of the block
2
Number of flats and floors
3
Year of construction and construction type
4
Current rebuild value (RICS valuation preferred)
5
Details of communal facilities (lifts, car parks, gardens)
6
Claims history for the past 5 years
7
Current insurance schedule (if renewing)
8
Details of any ongoing or planned major works

Get Your Quote

Frequently Asked Questions

Do all flat owners need to be named on the policy?

No, the policy covers the building and common parts. Individual leaseholders should arrange their own contents and improvements cover.

Is terrorism cover mandatory?

While not legally required, many mortgage lenders insist on terrorism cover. We can advise on whether it's appropriate for your block.

What if some flats are unoccupied?

Our policies can include cover for unoccupied flats within the block, subject to certain conditions being met.

Can you cover blocks with commercial units on the ground floor?

Yes, we regularly arrange cover for mixed-use blocks with retail or office space at ground level.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.