Editorial guide
Best landlord insurance for flats and apartments
In blocks, buildings insurance is often arranged by the freeholder or management company. You may only need landlord contents and liability top-up.
Reviewed by LetCompliance Editorial TeamLast reviewed April 17, 2026
Not financial advice. Insurance is a regulated product. Compare quotes from FCA-authorised firms. LetCompliance does not sell insurance.
Who this is for
Leasehold flats let on ASTs within managed blocks.
Must-have cover points
- Review of master policy (what it covers)
- Your liability for demised premises
- Glass and leaks into flats below
Watch out
Cover gaps
If the block policy excludes your improvements, add landlords improvements cover.
How this compares
Share of freehold
You may participate in block policy decisions; still document your let.
FAQs
Do I pay buildings insurance twice?
Avoid duplicate buildings cover; align with the block policy and insure only gaps.
Who insures communal halls?
Typically the management company via service charge.
Related compliance
Insurance sits alongside licensing, safety certificates and tenancy compliance.
More scenarios
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