Flats and Apartments
Insurance
What is Flats and Apartments Insurance?
Flat Insurance is designed specifically for leaseholders and flat owners, offering protection for your contents, liability, and fixtures and fittings. Whether your building is managed by a freeholder or you share communal spaces with others, this cover fills the gaps and gives you peace of mind in case of damage, theft, or legal issues.
From studio flats to converted Victorian townhouses, our cover is built around the needs of modern flat living—protecting what’s yours, inside and out.
Who Needs This?
If you live in a flat, there’s a good chance you need some form of specialist insurance. This includes:
- Leaseholders – Even if the building is insured by a freeholder, you’re likely responsible for your contents and liability.
- Flat Owners – Whether you're in a purpose-built block or a converted home, you’ll need cover that reflects your responsibilities.
- Buy-to-let Landlords – Protect fixtures, fittings, and your legal liability as a property owner.
- Tenants – Contents insurance protects what’s inside your flat, from electronics to clothing.
- Shared Ownership Residents – Get peace of mind for your share of the property and everything in it.
Why is it Important?
Living in a flat comes with unique risks—like leaks from upstairs, shared walls, and communal areas. Flat Insurance ensures you’re not left footing the bill for damage, legal disputes, or loss of belongings.
It covers the gaps where building insurance stops, giving you confidence that your space (and everything in it) is protected from life’s surprises.
- Water Damage – From upstairs leaks or burst pipes within your own flat.
- Theft & Vandalism – Including forced entry, even via communal areas.
- Fire & Smoke Damage – From electrical faults or kitchen mishaps.
- Alternative Accommodation – If your flat becomes uninhabitable.
Coverage at a Glance
Know exactly what you're protected against.
What's Covered
- Contents Insurance – Protection for everything you own inside the flat.
- Fixtures & Fittings – Cover for things like fitted kitchens, wardrobes, and flooring.
- Accidental Damage – For life’s little mishaps, like smashed TVs or wine on the carpet.
- Personal Liability – If a visitor is injured or you accidentally cause damage to a neighbouring flat.
- Alternative Accommodation – Help with temporary housing if your flat becomes uninhabitable.
What's Not Covered
- General wear and tear or poor maintenance.
- Damage that should be covered under your building’s freeholder policy.
- Leaving doors or windows unlocked.
- Damage from long-term unoccupancy (unless declared).
Additional Cover You May Need
Depending on your business type, consider adding these protections.
Get the right cover for your business
At Insurably, we have access to 100's of insurer markets. No matter how unique your requirements, we find the right cover to suit you.
What does Flats and Apartments cover you for?
For leaseholders, understanding what’s covered by the freeholder’s insurance—and what isn’t—can be confusing. Insurably helps clarify the gaps and provides cover to ensure flat owners have the protection they actually need, without the stress.
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