Buildings Insurance for Flats – Summary of Cover

At London Flats Insurance, we only provide specialist insurance for blocks of flats and apartments. All our exclusively designed insurance policies are underwritten by A-rated insurance companies who offer dependable, market-leading cover. With us, you can always be sure that you’re receiving the most comprehensive protection available at the most competitive price we can find.

Our residential block of flats Flats Insurance policy is recognised as one of the most reliable policies on the market. It provides cover on an ‘All Risks’ basis, which basically means you’ll be protected against the widest possible range of risks.

Below you will find a summary of the cover provided by our Flats Insurance policies. Click to download a copy of our Summary of Cover or view a copy of our Service Charter.

Our Flats Insurance policies provide the following cover

Fire, Lightning, Explosion, Aircraft, Earthquake, Impact, Storm, Flood, Escape of Water, Escape of Oil, Riot & Civil Commotion Malicious Damage, Theft, Subsidence, Ground Heave and Landslip and all other Accidental Damage not specifically excluded, to the Buildings comprising:

Blocks of flats or apartments and/or individual private dwellings, including:

  • Outbuildings, garages, carports, spas, swimming pools and tennis courts used by residents for domestic and leisure purposes
  • Garden walls, patios, pavements, terraces, hedges, fences, gates, paths, drives, roads, car parks, bollards, lamp posts, fuel tanks, cess pits, septic tanks, underground pipes, cables and overhead services;
  • Interior decorations, kitchen and bathroom fixtures, outside aerials, dishes, CCTV, fixed glass and light fittings, landlord’s fixtures and fitting and lessee’s improvements;
  • Any common areas to the insured property, including furniture, furnishings and other property of the insured or for which the insured is responsible.

Our Flats Insurance policies are subject to:

  • £1,000 excess in respect of damage by Subsidence, Ground Heave or Landslip.
  • £100 excess or other amount agreed, in respect of any other damage.

Our Flats Insurance Additional Features

  • Architects and professional fees and removal of debris costs
  • Automatic Index Linking of Buildings Sum Insured
  • Automatic reinstatement of Sum Insured after a claim
  • Clearing and cleaning of drains and gutters following an Insured event
  • Communal contents
  • Contractors’ interest – up to £500,000
  • Emergency cost of minimising losses – up to £25,000
  • Employers’ Liability – limit £10,000,000
  • Fixed glass, sanitary fixings and shower trays
  • Government fees, contributions or imposts
  • Legal fees for submission to regulatory bodies following a loss
  • Lessee contributions, levies and maintenance charges following a loss
  • Lessee’s fixtures and improvements excess costs – up to £50,000 per flat
  • Machinery Breakdown – Sudden and accidental loss or damage up to a limit of £10,000 in respect of lifts, escalators, other mechanical machinery and boilers/ pressure vessels
  • Property Owners’ Liability – limit £10,000,000
  • Storm damage to fences and gates
  • Temporary protection – up to £2,500

Our Flats Insurance Special Benefits

  • Alterations or additions to the Insured Property – up to £500,000
  • Arson reward – up to £5,000
  • Bee and wasp nest removal – up to £5,000
  • Disability access modifications due to injury following a loss – up to £5,000 per flat
  • Emergency accommodation – up to £500 per flat
  • Fallen trees – up to £5,000 for the professional removal if damage caused to the Insured Property
  • Fire extinguishing costs – reasonably incurred
  • Fly tipping debris removal – up to £25,000
  • Further investigation costs – up to £5,000
  • Landscaping repair costs following damage – up to £25,000
  • Money whilst in the personal custody of a Director or Officer or Your Property Manager – up to £5,000
  • Mortgage discharge – up to £2,500
  • Personal property of others – up to £2,500
  • Pets and security dog’s temporary accommodation – up to £500 per flat
  • Purchaser’s interest during conveyancing
  • Removal/storage costs of common area contents – up to £5,000
  • Removal of squatters – up to £5,000 for legal fees
  • Replacement of keys or locks in communal areas – up to £7,500
  • Rewriting of records – up to £25,000
  • Temporary accommodation/loss of rent/contributions and fees plus removal and storage of lessee’s contents or cost of re-letting – up to 35% of buildings sum insured following:- damage, disease, murder or suicide, denial of access including by Police Authority, failure of utilities
  • Title deeds replacement – up to £2,500
  • Trace and Access costs reasonably incurred (plus cost of defective parts – up to the value of £500)
  • Tree felling and lopping if a danger to life or property – up to £5,000
  • Unauthorised use of metered electricity, gas, oil and water – up to £10,000 in respect of charges incurred
  • Welfare concern – cost of repairing damage caused by the Police – up to £5,000
  • Water removal from basement due to storm or flood – up to £2,500
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