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Block of Flats Insurance

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Certis are experts in block of flats insurance cover, we arrange building insurance for flats, blocks of flats and apartments, both purpose built and flat conversions. We have a wealth of experience in arranging competitive insurance to protect the assets and interests of Residents Associations, Management Companies, Freeholders and Leaseholders of blocks of flats.


Our building insurance for flats policy provides comprehensive cover for purpose built blocks or houses converted into flats / apartments.


Cover available for blocks of flats:

• Buildings cover on an all risks basis including subsidence and index linking

• Communal contents up to £25,000

• Loss of rent / alternative accommodation up to 33% of buildings sum insured

• Property owners liability up to £10,000,000

• Employers Liability of £10,000,000

• Trace & access of leaks £50,000

• Loss of metered supplies £25,000

• Damage to gardens by emergency services £25,000

• Landlords gardening equipment £10,000

• Replacement locks following theft of keys £2,500

• Reasonable costs for felling or lopping of dangerous trees £2,500

• Removal of Bees and/or wasps nests £5,000

• Removal of fly tipping £2,500

• Reinstatement costs of complying with EU and Public Authorities

• Damage to underground services

• Breakage of fixed glass & sanitary fixtures

• Terrorism insurance

• Lifts & cummunal boilers

• Legal Expenses