Block of Flats Insurance

One building, many units, one policy built to cover them all.

Whether you own, let, or manage a block of flats, our tailored insurance protects your property investment against structural, liability and legal risks — with cover that flexes to fit your building.

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★★★★★ Feefo & Trustpilot reviewed

No two blocks of flats are the same. Whether you manage a small block or a large residential complex, cover flexes with add-ons and optional extras, plus streamlined solutions if you manage multiple properties.

What's protected

What block of flats insurance covers

Comprehensive protection across the building, its liabilities, and your rental income.

Property damage

Structural damage from fire, floods, storms or vandalism, plus fixtures, fittings and contents in common areas.

Liability insurance

Property owners' liability for third-party accidents, plus employer's liability if staff work on your premises.

Legal expenses

Cover for legal costs tied to disputes, including eviction proceedings or pursuing outstanding rent.

Loss of rent

Income protection for lost rental income due to insured events, keeping cash flow stable during repairs.

Managing multiple blocks? We can streamline cover across your whole portfolio.

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Why Brunel

Why choose Brunel for Block of Flats Insurance

Tailored

Tailored cover

Every block of flats is unique — policies are tailored to your property's specific needs and requirements.

Expertise

Specialist expertise

Years of experience in property insurance, ensuring advice and solutions aligned with your goals.

Support

24/7 support

Emergencies can happen at any time — round-the-clock support means you're never left dealing with issues alone.

Service

Customer service

We always strive to provide the highest level of customer service, reflected in our client reviews.

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How are premiums actually calculated?

Several factors go into the calculation, so it's rarely a single number driving the cost:

Rebuild cost of the property, not its market value.
Number of units within the block.
Location and local risk factors.
Security measures in place at the property.
Claims history and any additional cover options selected.

See our full range of landlord cover →

Common questions

Block of Flats Insurance FAQs

What does Block of Flats Insurance typically cover?

Brunel's Block of Flats Insurance usually covers the building structure, communal areas, landlord liabilities, public liabilities, property owner's liability, loss of rental income, and often includes optional add-ons like terrorism cover or legal expenses.

Who can benefit from Block of Flats Insurance?

Block of Flats Insurance is beneficial for property owners, landlords, or property management companies managing residential buildings with multiple units or flats. It offers comprehensive coverage tailored to the needs of such properties.

Can Block of Flats Insurance cover loss of rental income due to property damage?

Yes, Brunel's Block of Flats Insurance can cover loss of rental income due to property damage following an insured peril, providing financial protection for landlords against income loss.

How are premiums calculated for Block of Flats Insurance?

Premiums are calculated based on various factors, including the rebuild cost of the property, the number of units, location, security measures, claims history, and additional coverage options selected.

Protect your property portfolio.

Get your quote online in minutes, or call if you'd rather talk it through first.

Get a Block of Flats Insurance Quote

Prefer to talk it through? Call 0333 188 11 11

Get a Block of Flats Insurance Quote