{"id":42395,"date":"2026-09-01T03:46:01","date_gmt":"2026-09-01T08:46:01","guid":{"rendered":"https:\/\/bbrown.com\/?post_type=insight&#038;p=42395"},"modified":"2026-09-01T10:33:30","modified_gmt":"2026-09-01T15:33:30","slug":"what-is-blocks-of-flat-owners-insurance","status":"publish","type":"insight","link":"https:\/\/bbrown.com\/uk\/insight\/what-is-blocks-of-flat-owners-insurance\/","title":{"rendered":"What is Blocks of Flat Owners Insurance?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\" id=\"wpb-content-root\"><p>[vc_row row_style=&#8221;page-hero&#8221; row_padding_top=&#8221;pt-0&#8243; row_padding_bottom=&#8221;pb-5&#8243; full_width=&#8221;stretch_row_content&#8221; css=&#8221;.vc_custom_1750779657728{padding-bottom: 200px !important;}&#8221; el_class=&#8221;bg-brand-linear-gradient-vertical&#8221;][vc_column]\n\t<div class=\"hero hero--wrap    \">\n\n\t\t<div class=\"hero--background-image hero--background-image-blur\">\n\t\t\t<div class=\"hero--overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"hero-background\"><\/div>\n\t\t\t\t\t<\/div>\n\n\t\t<div class=\"hero--container\">\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"hero--inner width-100\">\n\n\t\t\t\t\t\n  <div class='content-heading  100% content-heading--ruled '>\n    \n    <h1 class='text-white    h1'>\n      What is Blocks of Flat Owners Insurance?\n    <\/h1>\n\t<p class='text-white subheading'>A Guide for Leaseholders, Landlords and Property Managers<\/p>\n  <\/div>\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n\t\n[\/vc_column][\/vc_row][vc_section section_padding_top=&#8221;pt-3&#8243; section_padding_bottom=&#8221;pb-2&#8243; full_width=&#8221;stretch_row&#8221; el_class=&#8221;overflow-visible&#8221;][vc_row row_padding_top=&#8221;pt-4&#8243; el_class=&#8221;overflow-visible overlapping-row&#8221;][vc_column el_class=&#8221;overlapping-column&#8221;][vc_single_image image=&#8221;42400&#8243; img_size=&#8221;1082&#215;439&#8243; alignment=&#8221;center&#8221; el_class=&#8221;brand-rounded-corners-right&#8221;][\/vc_column][\/vc_row][\/vc_section][vc_row row_padding_top=&#8221;pt-0&#8243;][vc_column][vc_column_text]Modern flat ownership comes with a range of responsibilities that many people do not fully appreciate until a problem occurs. From escape of water incidents and storm damage to liability claims and legal disputes, understanding the right insurance arrangements is an important part of managing risk within a residential block.<\/p>\n<p>Whether you are a leaseholder, freeholder, landlord, resident management company (RMC) director or part of a Right to Manage (RTM) company, it is important to understand what Blocks of Flat insurance is, who needs it and how responsibilities can vary depending on ownership arrangements.[\/vc_column_text][vc_empty_space]\t<div class='wpb_content_element text-center btn-container'>\n\t\t\t\t\t<a class='btn btn-brand-green  '\n\t\t\t\thref='https:\/\/bbrown.com\/uk\/sector\/block-of-flats-specialism\/' target='_blank' data-toggle=''>\n\t\t\t\t<span class=\"btn-text-color--default\">Learn More About Flats Solutions<\/span>\n\t\t\t<\/a>\n\t\t\t<\/div>\n[\/vc_column][\/vc_row][vc_row row_padding_top=&#8221;pt-0&#8243; row_padding_bottom=&#8221;pb-0&#8243;][vc_column]\n  <div class='content-heading  100%  '>\n    \n    <h3 class='text-brand-blue    h3'>\n      What Is Blocks of Flat Insurance?\n    <\/h3>\n\t\n  <\/div>[vc_empty_space height=&#8221;16px&#8221;][\/vc_column][\/vc_row][vc_row row_padding_top=&#8221;pt-0&#8243;][vc_column width=&#8221;1\/2&#8243;][vc_column_text]Blocks of Flat insurance is a term often used to describe insurance arrangements designed for blocks of flats and apartment buildings. Unlike a standard house insurance policy, the insurance needs of a block of flats can be more complex because multiple parties may have an interest in the building and unlike standard home insurance it is classed as a commercial premises rather than a residential one.<\/p>\n<p>Insurance arrangements may include cover for the structure of the building, communal areas, liability exposures, including Employers Liability and, in some cases, fixtures and fittings within individual flats.<\/p>\n<p>The exact requirements will depend on the ownership structure and the obligations set out in the lease.[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;42403&#8243; img_size=&#8221;Full&#8221;][\/vc_column][\/vc_row][vc_row row_padding_top=&#8221;pt-0&#8243;][vc_column][vc_toggle title=&#8221;What is Typically Included?&#8221; style=&#8221;simple&#8221;]While arrangements vary, Blocks of Flat insurance solutions commonly include:<\/p>\n<ul>\n<li>Buildings insurance<\/li>\n<li>Property owners&#8217; liability<\/li>\n<li>Alternative accommodation following an insured event<\/li>\n<li>Accidental damage options<\/li>\n<li>Communal contents cover<\/li>\n<li>Legal expenses options<\/li>\n<li>Employers&#8217; liability where required \u2013 to cover roles such as clerical directors, cleaners, maintenance, gardeners that may be contracted to work in the building even if these are unpaid volunteers or residents.<\/li>\n<li>Directors&#8217; and Officers&#8217; liability for management companies<\/li>\n<\/ul>\n<p>The level of cover required should reflect the construction, occupancy and management arrangements of the property.[\/vc_toggle][\/vc_column][\/vc_row][vc_row row_padding_bottom=&#8221;pb-0&#8243;][vc_column]\n  <div class='content-heading  100%  '>\n    \n    <h3 class='text-brand-blue    h3'>\n      Protection for Buildings and Fixed Assets\n    <\/h3>\n\t\n  <\/div>[vc_empty_space height=&#8221;16px&#8221;][vc_column_text]One of the cornerstone elements of Blocks of Flat insurance is <strong>buildings insurance<\/strong>, which protects the physical structure of the property against risks such as fire, flood, storm damage and other insured events.<\/p>\n<p>Buildings insurance typically covers the fixed and permanent parts of the property, including:[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/2&#8243;][vc_column_text]<\/p>\n<ul>\n<li>Walls and roofs<\/li>\n<li>Foundations<\/li>\n<li>Windows and external doors<\/li>\n<li>Permanent fixtures and fittings<\/li>\n<li>Kitchens and bathrooms<\/li>\n<li>Pipes, drains and cables serving the building<\/li>\n<li>Communal hallways, stairwells and other shared areas<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;42430&#8243; img_size=&#8221;Full&#8221;][\/vc_column][\/vc_row][vc_row row_padding_top=&#8221;pt-0&#8243;][vc_column][vc_column_text]A common misconception among leaseholders is that they are responsible for arranging their own buildings insurance. In many cases, however, this responsibility rests with the <strong>freeholder, management company or Right to Manage (RTM) company<\/strong>, who arrange a policy covering the entire building.<\/p>\n<p>As responsibilities can vary from one development to another, it is essential to review the terms of the lease carefully. The lease will clearly set out who is responsible for arranging and maintaining the appropriate insurance cover, helping to avoid gaps in protection or unnecessary duplication of cover.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_padding_bottom=&#8221;pb-4&#8243; full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1775831700910{background: #002855 url(https:\/\/bbrown.com\/wp-content\/uploads\/2025\/02\/4be645659cbbb0f3bbb6de6614f07be2.png?id=12053) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; row_title=&#8221;New CTA&#8221;][vc_column width=&#8221;1\/2&#8243;]\n  <div class='content-heading  100% content-heading--ruled '>\n    \n    <h2 class='text-white    h2'>\n      Insurance Solutions<br \/>\nYou Can Trust\n    <\/h2>\n\t\n  <\/div>[\/vc_column][vc_column column_padding_bottom=&#8221;pb-0&#8243; width=&#8221;1\/2&#8243;]\n  <div class='content-heading  100%  '>\n    \n    <h3 class='text-brand-light-blue    h3'>\n      Specialist Insurance for Blocks of Flats\n    <\/h3>\n\t\n  <\/div>[vc_column_text el_class=&#8221;text-white&#8221;]From buildings insurance to liability considerations, discover solutions for a range of residential block ownership structures.[\/vc_column_text]\t<div class='wpb_content_element text-left btn-container'>\n\t\t\t\t\t<a class='btn btn-brand-green  '\n\t\t\t\thref='https:\/\/bbrown.com\/uk\/sector\/block-of-flats-specialism\/' target='_blank' data-toggle=''>\n\t\t\t\t<span class=\"btn-text-color--default\">Explore Flats Insurance Solutions<\/span>\n\t\t\t<\/a>\n\t\t\t<\/div>\n[\/vc_column][\/vc_row][vc_row row_padding_bottom=&#8221;pb-0&#8243;][vc_column]\n  <div class='content-heading  100%  '>\n    \n    <h3 class='text-brand-blue    h3'>\n      Do I Need Blocks of Flat Insurance?\n    <\/h3>\n\t\n  <\/div>[vc_empty_space height=&#8221;16px&#8221;][vc_column_text]The answer depends largely on your ownership status. We have provided a brief overview of the different scenarios below:[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;42412&#8243; img_size=&#8221;full&#8221;][\/vc_column][vc_column width=&#8221;1\/2&#8243;]  <div class=\"accordion-row-component\">\n\n    \n    <div class=\"accordion\" id=\"accordion-2622712\" data-piechart-id=\"2622712\">\n\n      <a class=\"row-title toggle\" id=\"title-2622712\" href=\"#collapse-2622712\"\n         data-toggle=\"collapse\" data-target=\"#collapse-2622712\" aria-expanded=\"false\"\n         aria-controls=\"collapse-2622712\">\n        <i class=\"accordion-toggle fas fa-angle-right\"><\/i>\n        <span class=\"title-text\">Leaseholders<\/span>\n      <\/a>\n\n      <div id=\"collapse-2622712\" class=\"row-description collapse \">\n        <div class=\" description-content\"\n          aria-labelledby=\"title-2622712\" data-parent=\"#accordion-2622712\">Many leaseholders are covered under a block buildings insurance arrangement organised by the freeholder or management company.<\/p>\n<p>However, <strong>this may not include:<\/strong><\/p>\n<ul>\n<li>Personal belongings<\/li>\n<li>Furniture<\/li>\n<li>Electronics<\/li>\n<li>Personal liability<\/li>\n<li>Tenant-related risks if the flat is rented out<\/li>\n<\/ul>\n<p>Leaseholders may therefore need contents insurance or landlord-related cover depending on their circumstances.        <\/div>\n      <\/div>\n\n    <\/div>\n  <\/div>\n    <div class=\"accordion-row-component\">\n\n    \n    <div class=\"accordion\" id=\"accordion-272339674\" data-piechart-id=\"272339674\">\n\n      <a class=\"row-title toggle\" id=\"title-272339674\" href=\"#collapse-272339674\"\n         data-toggle=\"collapse\" data-target=\"#collapse-272339674\" aria-expanded=\"false\"\n         aria-controls=\"collapse-272339674\">\n        <i class=\"accordion-toggle fas fa-angle-right\"><\/i>\n        <span class=\"title-text\">Landlords<\/span>\n      <\/a>\n\n      <div id=\"collapse-272339674\" class=\"row-description collapse \">\n        <div class=\" description-content\"\n          aria-labelledby=\"title-272339674\" data-parent=\"#accordion-272339674\">If you let your flat to tenants, your insurance requirements are different from those of an owner-occupier.<\/p>\n<p>A landlord may need solutions that consider:<\/p>\n<ul>\n<li>Tenant occupation<\/li>\n<li>Loss of rent<\/li>\n<li>Property damage<\/li>\n<li>Legal expenses<\/li>\n<li>Liability risks<\/li>\n<\/ul>\n<p>Standard owner-occupier arrangements may not be suitable for rented properties.        <\/div>\n      <\/div>\n\n    <\/div>\n  <\/div>\n    <div class=\"accordion-row-component\">\n\n    \n    <div class=\"accordion\" id=\"accordion-1728902146\" data-piechart-id=\"1728902146\">\n\n      <a class=\"row-title toggle\" id=\"title-1728902146\" href=\"#collapse-1728902146\"\n         data-toggle=\"collapse\" data-target=\"#collapse-1728902146\" aria-expanded=\"false\"\n         aria-controls=\"collapse-1728902146\">\n        <i class=\"accordion-toggle fas fa-angle-right\"><\/i>\n        <span class=\"title-text\">Freeholders<\/span>\n      <\/a>\n\n      <div id=\"collapse-1728902146\" class=\"row-description collapse show\">\n        <div class=\" description-content\"\n          aria-labelledby=\"title-1728902146\" data-parent=\"#accordion-1728902146\">Freeholders are typically responsible for arranging buildings insurance for the block.<\/p>\n<p>This responsibility often extends to protecting communal areas and addressing liability exposures arising from ownership of the building.        <\/div>\n      <\/div>\n\n    <\/div>\n  <\/div>\n    <div class=\"accordion-row-component\">\n\n    \n    <div class=\"accordion\" id=\"accordion-1840747343\" data-piechart-id=\"1840747343\">\n\n      <a class=\"row-title toggle\" id=\"title-1840747343\" href=\"#collapse-1840747343\"\n         data-toggle=\"collapse\" data-target=\"#collapse-1840747343\" aria-expanded=\"false\"\n         aria-controls=\"collapse-1840747343\">\n        <i class=\"accordion-toggle fas fa-angle-right\"><\/i>\n        <span class=\"title-text\">Right to Manage (RTM) Companies<\/span>\n      <\/a>\n\n      <div id=\"collapse-1840747343\" class=\"row-description collapse \">\n        <div class=\" description-content\"\n          aria-labelledby=\"title-1840747343\" data-parent=\"#accordion-1840747343\">RTM companies take on responsibility for managing a building on behalf of the landlord, giving residents and leaseholders more control over their building and decision making.<\/p>\n<p>With this responsibility comes a range of risks including property management obligations, contractor management and liability exposures, as such Directors &amp; Officers insurance is often recommended to help provide cover against claims of negligence.<\/p>\n<p>Appropriate insurance arrangements form an important part of managing these responsibilities.        <\/div>\n      <\/div>\n\n    <\/div>\n  <\/div>\n    <div class=\"accordion-row-component\">\n\n    \n    <div class=\"accordion\" id=\"accordion-1081015691\" data-piechart-id=\"1081015691\">\n\n      <a class=\"row-title toggle\" id=\"title-1081015691\" href=\"#collapse-1081015691\"\n         data-toggle=\"collapse\" data-target=\"#collapse-1081015691\" aria-expanded=\"false\"\n         aria-controls=\"collapse-1081015691\">\n        <i class=\"accordion-toggle fas fa-angle-right\"><\/i>\n        <span class=\"title-text\">Resident Management Companies<\/span>\n      <\/a>\n\n      <div id=\"collapse-1081015691\" class=\"row-description collapse \">\n        <div class=\" description-content\"\n          aria-labelledby=\"title-1081015691\" data-parent=\"#accordion-1081015691\">Resident Management Companies often have similar obligations to RTM companies.<\/p>\n<p>Committee members and directors should understand their responsibilities and review whether additional liability protection may be appropriate.        <\/div>\n      <\/div>\n\n    <\/div>\n  <\/div>\n  [\/vc_column][\/vc_row][vc_row][vc_column]\n  <div class='content-heading  100%  '>\n    \n    <h3 class='text-brand-blue    h3'>\n      Leasehold and Freehold Responsibilities\n    <\/h3>\n\t\n  <\/div>[vc_empty_space height=&#8221;16px&#8221;][vc_column_text]One of the most common areas of confusion is understanding who is responsible for arranging insurance.<\/p>\n<p><strong>In many leasehold properties:<\/strong><\/p>\n<ul>\n<li>The freeholder arranges buildings insurance.<\/li>\n<li>Leaseholders contribute through service charges.<\/li>\n<li>Individual leaseholders arrange contents insurance separately.<\/li>\n<\/ul>\n<p>However, some developments operate differently.<\/p>\n<p><strong>For example:<\/strong><\/p>\n<ul>\n<li>Right To Manage (RTM) companies may arrange insurance.<\/li>\n<li>Resident Management Companies (RMCs) may take responsibility.<\/li>\n<li>Share-of-freehold arrangements may alter obligations.<\/li>\n<\/ul>\n<p>The lease remains the primary document for determining responsibility.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_padding_bottom=&#8221;pb-0&#8243;][vc_column]\n  <div class='content-heading  100%  '>\n    \n    <h3 class='text-brand-blue    h3'>\n      Why Flat Ownership Creates Additional Risk\n    <\/h3>\n\t\n  <\/div>[vc_empty_space height=&#8221;16px&#8221;][vc_column_text]Unlike a house, flats involve shared spaces and shared infrastructure, meaning that a single incident can affect multiple homes simultaneously.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_padding_top=&#8221;pt-0&#8243;][vc_column width=&#8221;1\/2&#8243;][vc_empty_space][vc_column_text]<strong>Examples include:<\/strong><\/p>\n<ul>\n<li>Water escaping from one flat into several others<\/li>\n<li>Fire spreading through communal areas<\/li>\n<li>Damage to lifts and shared facilities<\/li>\n<li>Injuries occurring in communal hallways<\/li>\n<\/ul>\n<p>This interconnected environment creates additional considerations when arranging suitable insurance solutions.[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;42427&#8243; img_size=&#8221;Full&#8221;][\/vc_column][\/vc_row][vc_row][vc_column]\n  <div class='content-heading  100%  '>\n    \n    <h3 class='text-brand-blue    h3'>\n      Common Claims Affecting Flats\n    <\/h3>\n\t\n  <\/div>[vc_column_text]Some of the most frequent issues affecting residential blocks include:[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_padding_top=&#8221;pt-0&#8243;][vc_column]  <div class=\"cards icon-horizontal\">\n    <div class=\"icon-horizontal--item cards--item mb-0 \">\n\n      <div class=\"cards--inner\">\n\n                <div class=\"cards--inner-image\">\n            <div class=\"icon-horizontal--icon bg-brand-dark-blue\">\n            <div class=\"icon-horizontal--fa\"><i class=\"fas fa-fa fa-solid fa-droplet\"><\/i><\/div>\n            <\/div>\n        <\/div>\n        \n        <div class=\"cards--inner-content align-self-center\">\n                      <h3 class=\"cards--title\">Escape of Water<\/h3>\n                                    <div class=\"cards--description\">Water leaks remain one of the leading causes of property claims, with leaks from bathrooms, kitchens, appliances and heating systems that can quickly affect multiple flats and cause significant damage.<\/p>\n<p><strong>\u00a0<\/strong><\/div>\n            \n                    <\/div>\n\n      <\/div>\n    <\/div>\n  <\/div>\n\n  [vc_empty_space height=&#8221;12px&#8221;]  <div class=\"cards icon-horizontal\">\n    <div class=\"icon-horizontal--item cards--item mb-0 \">\n\n      <div class=\"cards--inner\">\n\n                <div class=\"cards--inner-image\">\n            <div class=\"icon-horizontal--icon bg-brand-dark-blue\">\n            <div class=\"icon-horizontal--fa\"><i class=\"fas fa-fa fa-solid fa-cloud-bolt\"><\/i><\/div>\n            <\/div>\n        <\/div>\n        \n        <div class=\"cards--inner-content align-self-center\">\n                      <h3 class=\"cards--title\">Storm and Weather Damage<\/h3>\n                                    <div class=\"cards--description\">Roof damage and water ingress can create significant repair costs for multi-occupancy buildings.<\/div>\n            \n                    <\/div>\n\n      <\/div>\n    <\/div>\n  <\/div>\n\n  [vc_empty_space height=&#8221;12px&#8221;]  <div class=\"cards icon-horizontal\">\n    <div class=\"icon-horizontal--item cards--item mb-0 \">\n\n      <div class=\"cards--inner\">\n\n                <div class=\"cards--inner-image\">\n            <div class=\"icon-horizontal--icon bg-brand-dark-blue\">\n            <div class=\"icon-horizontal--fa\"><i class=\"fas fa-fa fa-solid fa-house-chimney-user\"><\/i><\/div>\n            <\/div>\n        <\/div>\n        \n        <div class=\"cards--inner-content align-self-center\">\n                      <h3 class=\"cards--title\">Property Owners' Liability Claims<\/h3>\n                                    <div class=\"cards--description\">This provides cover for third parties who may suffer injury or their property is damaged whilst at the premises. Visitors, contractors or residents may suffer injury within communal areas, for example slips, trips and falls.<\/div>\n            \n                    <\/div>\n\n      <\/div>\n    <\/div>\n  <\/div>\n\n  [vc_empty_space height=&#8221;12px&#8221;]  <div class=\"cards icon-horizontal\">\n    <div class=\"icon-horizontal--item cards--item mb-0 \">\n\n      <div class=\"cards--inner\">\n\n                <div class=\"cards--inner-image\">\n            <div class=\"icon-horizontal--icon bg-brand-dark-blue\">\n            <div class=\"icon-horizontal--fa\"><i class=\"fas fa-fa fa-solid fa-fire\"><\/i><\/div>\n            <\/div>\n        <\/div>\n        \n        <div class=\"cards--inner-content align-self-center\">\n                      <h3 class=\"cards--title\">Fire Damage<\/h3>\n                                    <div class=\"cards--description\">Although fire incidents are less common, the consequences can be substantial when multiple homes are involved. Fires may spread quickly causing significant damage to flats and communal areas, in some cases making the building uninhabitable.<\/p>\n<h3><strong>\u00a0<\/strong><\/h3>\n<p><\/div>\n            \n                    <\/div>\n\n      <\/div>\n    <\/div>\n  <\/div>\n\n  [\/vc_column][\/vc_row][vc_row][vc_column]\n  <div class='content-heading  100%  '>\n    \n    <h3 class='text-brand-blue    h3'>\n      Reviewing Insurance Arrangements Regularly\n    <\/h3>\n\t\n  <\/div>[vc_empty_space height=&#8221;16px&#8221;][vc_column_text]Property risks continue to evolve with new technology, changing legislation and modern building features introducing additional considerations.<\/p>\n<p><strong>Regular reviews help identify whether insurance arrangements still reflect:<\/strong><\/p>\n<ul>\n<li>Current rebuilding costs<\/li>\n<li>Occupancy arrangements<\/li>\n<li>Property improvements<\/li>\n<li>Emerging risks<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]\n  <div class='content-heading  100%  '>\n    \n    <h3 class='text-brand-blue    h3'>\n      Final Thoughts\n    <\/h3>\n\t\n  <\/div>[vc_empty_space height=&#8221;16px&#8221;][vc_column_text]Block of Flat ownership is rarely as straightforward as many people expect. Different ownership structures create different responsibilities, and understanding who arranges insurance and what is included is an important part of managing property-related risks.<\/p>\n<p>Whether you are a leaseholder, landlord, freeholder, RTM company or RMC director, taking time to understand your obligations can help support more effective property management and reduce the likelihood of unexpected issues when a claim arises.<\/p>\n<p>This is why having a specialist insurance broker in your corner can make all the difference. Our Flat Insurance team are on hand to provide advice support you in arrange an insurance policy that is right for your needs. Speak to our team today: <a href=\"tel:+441202122558\">01202 122558<\/a> or <a href=\"https:\/\/bbrown.com\/uk\/sector\/block-of-flats-specialism\/\">request a quote<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<p>[\/vc_column_text][vc_empty_space]\t<div class='wpb_content_element text-center btn-container'>\n\t\t\t\t\t<a class='btn btn-brand-green  '\n\t\t\t\thref='https:\/\/bbrown.com\/uk\/sector\/block-of-flats-specialism\/' target='_blank' data-toggle=''>\n\t\t\t\t<span class=\"btn-text-color--default\">Learn More About Flats Solutions<\/span>\n\t\t\t<\/a>\n\t\t\t<\/div>\n[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Whether you&#8217;re a leaseholder, freeholder, landlord, resident management company (RMC) director or part of a Right to Manage (RTM) company, it is important to understand what Blocks of Flat insurance is, who needs it and how responsibilities can vary<\/p>\n","protected":false},"author":51,"featured_media":42400,"template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"insight_category":[],"class_list":["post-42395","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What is Blocks of Flat Owners Insurance? - Brown &amp; Brown<\/title>\n<meta name=\"description\" content=\"Modern flat ownership comes with a range of responsibilities that many people do not fully appreciate until a problem occurs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bbrown.com\/uk\/insight\/what-is-blocks-of-flat-owners-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is Blocks of Flat Owners Insurance?\" \/>\n<meta property=\"og:description\" content=\"Modern flat ownership comes with a range of responsibilities that many people do not fully appreciate until a problem occurs.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bbrown.com\/uk\/insight\/what-is-blocks-of-flat-owners-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Brown &amp; Brown\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-01T15:33:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bbrown.com\/wp-content\/uploads\/2026\/08\/Block-of-flats-in-the-UK-1024x669.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"669\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/bbrown.com\\\/uk\\\/insight\\\/what-is-blocks-of-flat-owners-insurance\\\/\",\"url\":\"https:\\\/\\\/bbrown.com\\\/uk\\\/insight\\\/what-is-blocks-of-flat-owners-insurance\\\/\",\"name\":\"What is Blocks of Flat Owners Insurance? - Brown &amp; Brown\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/bbrown.com\\\/uk\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/bbrown.com\\\/uk\\\/insight\\\/what-is-blocks-of-flat-owners-insurance\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/bbrown.com\\\/uk\\\/insight\\\/what-is-blocks-of-flat-owners-insurance\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/bbrown.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/Block-of-flats-in-the-UK.jpeg\",\"datePublished\":\"2026-09-01T08:46:01+00:00\",\"dateModified\":\"2026-09-01T15:33:30+00:00\",\"description\":\"Modern flat ownership comes with a range of responsibilities that many people do not fully appreciate until a problem occurs.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/bbrown.com\\\/uk\\\/insight\\\/what-is-blocks-of-flat-owners-insurance\\\/#breadcrumb\"},\"inLanguage\":\"en-UK\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/bbrown.com\\\/uk\\\/insight\\\/what-is-blocks-of-flat-owners-insurance\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-UK\",\"@id\":\"https:\\\/\\\/bbrown.com\\\/uk\\\/insight\\\/what-is-blocks-of-flat-owners-insurance\\\/#primaryimage\",\"url\":\"https:\\\/\\\/bbrown.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/Block-of-flats-in-the-UK.jpeg\",\"contentUrl\":\"https:\\\/\\\/bbrown.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/Block-of-flats-in-the-UK.jpeg\",\"width\":8400,\"height\":5484,\"caption\":\"Modern facade building. 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