A simples guide

Home insurance for flats

Whether you live in a penthouse flat with views out across London or a ground floor cubby hole in a converted barn, you will need to look into flat home insurance to make sure your possession are protected from damage such as fire, flood or theft.

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If you have a fire at home, whether big or small, it’s likely to cause damage. Whilst your leaseholder or landlord will need to resolve any damage to the building (find out if you need buildings insurance here), you will need to replace any of the damaged contents. This might mean having to replace furniture and possessions. That’s why it is important to make sure you’ve got the right level of contents cover. Go through each room and value the price of your belongings (e.g. clothes, gadgets, media and valuables such jewellery and sports equipment) and make sure you have enough cover to replace everything you own at their current value. 

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The same can be said for preparing for flood. Here in the UK we’ve suffered from some very cold and wet winters. When temperatures drop, it’s not unusual for pipes to burst. Likewise, if you live in an area that’s prone to flooding, heavy storms can have devastating effects on your home. Either way, water damage can ruin your possessions so it’s important to make sure they’re adequately covered. 


According to the Crime Prevention Website, your risk of being burgled drops from 5.8% down to 0.9% with basic security measures, such as windows with fitted locks or deadlocks to outside doors and down again to 0.6% if you have enhanced security measures, like having a burglar alarm. When you’re taking out insurance, the insurance provider is likely to ask what locks you have on your doors and whether or not you have window locks. This type of security feature may mean you get a discount on your flat insurance premium.

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Contents insurance

Contents insurance for flats covers most things that you could pick up and take away with you if you left. This includes furniture items, clothes, electricals your bike or even a musical instruments. It also includes furnishings like, carpets, blinds, curtains and the pictures you have on the walls. And if you’re one of those lucky flat owners with a garden or terrace, then your contents cover extends there too (meaning you’ll have cover for any outdoor furniture or BBQs kept outside. It will also cover items kept in your garage such as bikes, tools and gardening equipment).

Basic flat insurance will cover you for incidents like fire, water damage and theft, but there are add-ons, which will give you further protection. You can get accidental damage cover which means if you’re a bit clumsy and prone to breaking things, you could be covered. You can also get extra cover for items taken out of your home, meaning that if for instance you’re in a band and you carry your musical instrument around with you to gigs, your items are may be covered if they get damaged or stolen.

Remember to make sure you tell your insurers if you have something that’s particularly valuable, whether it’s a painting, a sculpture, an antique piece of furniture or jewellery that you’ve inherited, it’s important to declare it to your insurer. This is because a typical policy will only insure one item up to a certain amount (usually this is about £1,500). By telling your insurers they can adjust your premium and make sure your valuable items are covered correctly.

Finding home insurance for flats is really easy with us – you can compare different products and prices on offer. All you need to do is answer a few questions and we will do the rest. We have already helped 50% of people obtain a saving of up to £78.02** on their buildings and contents insurance and we can help you too.

**Based on Online independent research by Consumer Intelligence during February 2018 50% of customers could save up to 40.08% on their home insurance premium

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