Flat Insurance

Tailor your block of flats insurance cover to suit your lifestyle
24/7 flat home insurance emergency claims service

Protect your flat with tailored home insurance, whether you’re a property owner or tenant.

Cover in more than 20 countries
Over 20 years of holiday home expertise
24hr emergency claims helpline
Cover for unoccupied properties included

What Is Flat Insurance?

Flat insurance is a type of home insurance that helps protects your flat and possessions from damage, theft, or other insured accidents. The type of flat insurance you may need depends on whether you’re renting or own the flat, as well as whether it’s freehold or leasehold.

You can also choose different cover levels depending on how much protection you need. For example, if you want cover for the belongings you keep in the flat alongside protection from damage to the flat’s structure.

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Our Partners

Intasure works with an established partner to provide flexible insurance options.

What our customers say about us

Excellent

Based on 148 reviews

What Are The Different Types Of Flat Insurance?

At Intasure, we offer three different types of flat insurance: buildings, contents, or combined (buildings and contents).

Flat buildings insurance
Our buildings insurance can help provide cover for the structure of your flat, including permanent fixtures such as built-in appliances, fitted kitchens and bathrooms, and other items that can’t be removed. Buildings insurance can also provide cover for your flat from fire, flood, and other types of damage, but it does not cover your possessions.
Most mortgage providers may insist that you have flat buildings insurance as a minimum as part of your mortgage terms and conditions.

Flat contents insurance

Contents insurance can provide cover for belongings you keep in your flat, such as furniture, technology devices, jewellery, and other items. It can insure against both theft and damage, for example, after a break-in.

Combined flat insurance

Combined cover brings buildings and contents insurance together under a single policy. This can protect your flat structure, interior, and belongings from damage and loss. Some combined flat insurance policies also include liability cover as standard.

What Flat Insurance Do I Need?

Flat insurance is more complex than standard home insurance since you may own it as a leaseholder or freeholder, or you may live there as a tenant.

Here’s an overview of the type of cover you might need:
• Leasehold flat insurance: Leaseholders may only need contents insurance, as the freeholder of the flat block is usually responsible for buildings insurance. However, you may need to pay a percentage of the building’s insurance to the freeholder.
• Freehold flat insurance: If you’re a freehold flat owner, you’re responsible for sourcing buildings and contents insurance. Buildings insurance is usually the minimum requirement, but you may wish to switch to combined insurance for added protection for your personal belongings.
• Rental flat insurance: The landlord of your flat is responsible for buildings insurance, so you should only need contents cover to protect your personal belongings. If the flat is part-furnished, the landlord is also responsible for contents insurance for those items.
• Student flat insurance: If you’re a student, your contents may already be covered by the landlord of your flat block, especially in halls of residence. Your personal belongings may also be covered under your parents’ home insurance, so you might not need additional cover.
• Landlord flat insurance: Landlords should consider seeking specialist landlord insurance as standard buildings and contents cover may not provide the level of cover required.

What Can Flat Insurance Cover?

Intasure’s combined flat insurance can include the following as standard:

Up to £1m buildings cover
Up to £100,000 for main home contents cover
Accidental damage cover to fixed glass, sanitary fixtures, and solar panels
Theft or attempted theft cover
Cover for subsidence
Trace and access cover up to £5,000 to detect and repair water leaks
Property owners’ and occupiers’ liability up to £2m
Alternative accommodation cover up to £40,000

You can also add on cover extensions to build a combined policy suitable for your specific requirements. These optional extras include:

Home emergency cover
Increased cover for accidental damage
Theft and accidental damage cover for bicycles
Valuables or personal possessions cover away from home

including items you carry with you such as mobile phones, cameras, jewellery, laptops, or sports equipment
Up to £60,000 cover for legal expenses
Key cover for lost or stolen keys

Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.

Why Is Flat Insurance Important?

Flat insurance isn’t a legal requirement, though many mortgage providers may ask you to take out buildings insurance as a minimum to protect your investment from damage. This means that flat insurance could be important for meeting the terms and conditions of your mortgage. It can also help protect you from financial loss.

Without suitable flat insurance, you may be liable to cover the costs of damage, whether that’s caused by a burst pipe, broken appliance, or break-in. These can be expensive, depending on the nature of the damage. Having flat insurance helps to ensure you’re protected in these situations, which can include the cost of both repair and replacement.

Why Choose Intasure For Flat Insurance?

With over 20 years of experience providing flat insurance, we’ve built a team of specialists to help you find suitable cover.

Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.

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UK teams

We have an in-house, UK-based customer service and claims team
20 years of experience

handling home and flat insurance
Cover overseas

We provide cover in more than 20 countries and territories
Rated ‘Excellent’

We’re rated ‘Excellent’ on Trustpilot, with a 4.5 star rating*
English documents

: We provide all policy documents and communications in English

*Correct as of December 2024

What Do You Need To Get A Flat Insurance Quote?

Getting a quote with Intasure is simple. Tell us about yourself, the flat, and the type of cover you need, and we’ll help you build a suitable level of cover. To get a quote, call us on 0345 111 0680 (Monday-Friday, 9am-7pm), or use fill in our online form. Our Live Chat service is also available Monday-Friday, 9am-5pm.

FAQs

Please note that these frequently asked questions are not a substitute for the policy wording. For full terms and conditions, please see the policy documentation.

How much does flat insurance cost?

Flat insurance policies can be built to your individual requirements, so the cost varies. It also depends on the provider you choose, plus your circumstances. Most providers consider the following when they offer you a quote:
• Flat location
• The value of your contents
• Flat security
• Flood risk
• The cover level and any extensions you want to include
• Your claims history
• Whether you’re paying upfront or annually
How can I reduce the price of flat insurance?

There are a few simple steps you can take to help reduce the cost of your premiums:
• No claims discount – The longer you go without making a claim, the lower your premiums are likely to be.
• Pay annually – We can accept monthly payments for flat insurance, but paying one annual lump sum can result in a saving.
• Pay a higher excess – Your premium can be lower if you agree to pay a higher excess, which is the initial amount of any claim that you have agreed to pay.
• Make your home secure – Flats fitted with security devices such as burglar and smoke alarms and high-quality window and door locks can be cheaper to insure.
What is not covered by flat insurance?

As standard, most flat insurance policies don’t cover fair wear and tear, electrical breakdown, or damage that occurs over time. Policies typically exclude malicious damage, whether by you or another individual.
Is flat insurance required?

If you own the flat, there’s no legal obligation for you to take out either buildings or contents insurance, though your mortgage provider might request that you purchase buildings insurance. Even though it’s not legally required, flat insurance is important to consider for protecting you from financial loss if your flat or the contents are damaged.
Can you insure an empty flat?

Yes, with a policy from Intasure, your property can be unoccupied for up to 60 days, so your flat insurance policy should cover you during this time. However, you may need a different insurance policy if the flat will be unoccupied for longer periods.
What type of insurance do I need for a leasehold flat?

If you’re a leasehold flat owner, you should only need contents insurance. The freehold owner of the flat block is responsible for purchasing buildings insurance. However, you may need to pay towards this as part of your flat lease.
How do you make a claim?

To register a claim on your flat insurance and obtain a claim form please contact Intasure on 0345 111 0680. Alternatively, you can log a claim online by logging in on the Intasure portal.
For any of the optional covers you may have selected:
• Legal Expenses & Tax Helpline call: +44(0)344 770 1040
• Home Emergency call: +44(0)330 303 1828 Key Cover call: +44 (0)330 0418167