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What is Flat 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 Flat Insurance?

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 Flat Insurance 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.

What’s Covered in Flat Insurance?

  • 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

Consider these extras for more complete protection:

Get the right cover for your flat

At Insurably, we understand the ins and outs of flat ownership. Whether you’re a leaseholder, a landlord, or just moved into your first flat, we’ll help you find the right policy at the right price—without the hassle.

Start your quote today and enjoy tailored cover that protects your flat and everything in it.

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  • Local experts, not call centres.
  • Specialist advice for flat owners and leaseholders.
  • No jargon, just straight-talking protection.

What does Flat Insurance cover?

  • Personal Liability Cover
  • Damage & Theft Protection
  • Alternative Accommodation

What's Covered?

What's Not Covered?

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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.
Emily Turner Managing Director | Turner Consultants

25+

years of experience in home insurance

100+

insurer markets accessed

100%

confidence in property protection

Frequently Asked Questions

As a flat owner, you may need contents insurance, liability cover, and possibly buildings insurance if you're not covered by the freeholder’s block policy. Always check your lease to understand your responsibilities.
In many cases, the freeholder or management company arranges buildings insurance for the whole block. You’ll usually pay your share through a service charge. However, you should confirm what’s covered, as you may still need additional cover for internal improvements, contents, or liability.
Yes. Contents insurance protects your belongings—like furniture, electronics, clothes, and valuables—against risks such as fire, flood, and theft. If your flat is broken into or suffers damage, this policy helps you recover the cost of your items.
Flat insurance for leaseholders typically includes contents cover, liability cover, accidental damage (optional), and protection for fixtures and fittings (like bathrooms or kitchens). You may also choose extras such as legal expenses or home emergency cover.
In many cases, yes—flat insurance can be cheaper than house insurance because flats usually have shared walls, fewer external doors, and lower individual rebuilding costs. However, pricing depends on your location, contents value, building type, and the level of cover you need.
If you’re a landlord renting out a flat, you’ll need landlord insurance that covers buildings (if you're responsible), fixtures and fittings, public liability, and loss of rent. You may also want landlord-specific emergency cover or legal protection.
Check the policy summary or ask the freeholder for a copy of the buildings insurance. Make sure it includes full reinstatement value, communal areas, and any internal parts of your flat you’re responsible for. If not, consider taking out additional cover to bridge the gap.
Absolutely. Whether your flat is in a converted Victorian house or a maisonette, there are insurance policies tailored to your setup. Just ensure you clarify the split between your responsibility and the freeholder’s, especially regarding the building and shared spaces.
You can start your quote online with Insurably in just a few minutes. We’ll ask simple questions about your flat and tailor the policy to your situation—whether you're a leaseholder, landlord, or tenant. We compare cover from top insurers to make sure nothing’s missed.