Buildings insurance for flats
Buildings insurance covers the structure of your home – the floors, walls, roof and so on. If you aren’t sure of the basics, start by reading our guide to buildings insurance.
Buildings insurance for flats shouldn't be more complicated than it is for houses. You'll be asked similar questions when getting a quote, with the exception of being asked if your flat has its own separate lockable door.
For flat owners, the difference comes in when you’re thinking about shared parts of the building, for example, the stairwell to the property or hallway outside. You wouldn’t usually need to have home insurance for this part of the flat as this is the responsibility of whoever owns the entire block.