Find a specialist residential block insurance broker
Residential block cover is priced on the detail of the building — its reinstatement value, unit count, communal areas, lift and plant, and service-charge income. CoverBroker matches you with a broker who places blocks of flats daily, so your building, liability and loss of rent are protected properly instead of carrying gaps.
Free, no obligation — you don't pay a fee to be matched.
How we match your residential block risk
The right residential block insurance broker depends on the building and how it's owned and let. When you submit an enquiry we ask about your property, units and income, then match on the criteria below.
Blocks of flats and apartments
Single blocks, multi-block estates and resident-owned management companies — we match you with brokers who place residential block cover every day.
Reinstatement valuation
Brokers who set the buildings sum insured on a proper reinstatement basis, including professional fees, debris removal and rebuild inflation — so average clauses don't bite.
Property owners' liability
Brokers who size liability to multi-occupier residential exposure, covering communal areas, reception, lifts, stairwells and shared services.
Loss of rent and alternative accommodation
Brokers who set loss of rent and alternative accommodation to your actual service-charge and rental income, with an adequate indemnity period for a full rebuild.
Lifts, plant and engineering
Brokers who arrange engineering inspection cover for lifts, pressurised plant and machinery, meeting the statutory inspection regime.
Lender and freeholder requirements
Brokers who place cover that meets the limits, perils and notes of interest your lender, freeholder and head lease require.
Your documents are safe
Upload your current block policy schedule, statement of fact or renewal invitation. Here is exactly how they are handled.
Secure storage
Your residential block documents are encrypted at rest and shared only with your matched broker.
GDPR-ready
UK & EU data protection. You can delete your documents at any time.
No obligation
Free to use. If the broker cannot improve on your current terms, you simply stay where you are.
Residential block insurance questions
- What is a residential block insurance broker?
- A residential block insurance broker specialises in placing cover for blocks of flats and apartment buildings — whether you own the freehold, are a resident-owned management company, or manage a residential block on behalf of leaseholders. They understand reinstatement valuation, communal areas, lift and plant engineering, property owners' liability, and the loss of rent and service-charge income that comes with letting residential units.
- What cover does a residential block insurance broker arrange?
- Typical policies include buildings cover on a reinstatement basis, property owners' liability, loss of rent and alternative accommodation, communal area contents, engineering inspection cover for lifts and pressurised plant, glass cover, and legal expenses. A broker structures these into one residential property owners' package rather than leaving gaps between separate policies.
- Why use a residential block broker instead of a standard property policy?
- Standard property policies often under-value reinstatement, exclude communal and shared areas, cap loss of rent, and miss the engineering inspection regime required for lifts. A residential block broker agrees a proper reinstatement valuation, sets loss of rent and alternative accommodation to your actual exposure, and places property owners' liability sized to multi-occupier residential risk.
- Who arranges block insurance — the freeholder or leaseholders?
- Block buildings insurance is normally arranged by the freeholder or resident-owned management company and recovered through the service charge, with each leaseholder paying their share. A broker places the policy on the whole block and provides the schedule and summary leaseholders are entitled to see, so service-charge contributions are transparent.
- How is reinstatement value set for a block of flats?
- A broker works from a reinstatement cost assessment — not market value — so the buildings sum insured reflects the full cost of rebuilding after a total loss, including professional fees, debris removal and inflation during rebuild. Under-insurance triggers average clauses that reduce a claim payout, so getting the figure right matters.
- Are communal areas and lifts covered?
- Yes. Communal areas, reception, lifts, plant rooms and shared services are usually the freeholder or management company's responsibility, not individual leaseholders'. A broker places buildings and property owners' liability that covers these, and arranges engineering inspection cover for lifts and pressurised plant.
- What documents help a residential block broker quote accurately?
- Your current block policy schedule, statement of fact and renewal invitation. If you have them, a reinstatement valuation, number of units and storeys, lift and plant inspection records, and any lender or freeholder requirements help too. Upload whatever you have — your matched broker will tell you if anything else is needed.
- Is the introduction and AI review free?
- Yes. The introduction to a specialist residential block insurance broker and the optional AI review of your current policy are both free. If a broker takes your enquiry forward, they may pay us a referral fee.
Looking for a related specialist? See our property insurance broker and landlord insurance broker pages.
Get a residential block broker quoting on your renewal
Upload your schedule or statement of fact and we'll introduce you to a specialist residential block insurance broker — with an optional free AI review of your current cover.