Buying Insurance for your Block

What insurance does a Residents' Management Company need?

Residential Buildings Insurance

Before the worst happens and you need to make a claim, Flat Living’s essential guide to insurance will help you check that you have the right cover in place.

Residents’ Management Company (RMC) directors and committee members often take on the task of arranging buildings insurance on behalf of their fellow residents. Ensuring your block is adequately covered is a major responsibility – and ensuring a competitive price as well as comprehensive protection for leaseholders’ property can be quite a challenge.

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What insurance does a Residents' Management Company need?

Before the worst happens and you need to make a claim, Flat Living’s essential guide to insurance will help you check that you... more »

Is your insurance policy adequate for the needs of your block?

Managing Director of Residentsline, Belinda Thorpe demystifies the different areas of insurance. Before the worst happens... more »

Residential Buildings Insurance

When you live in a flat, the buildings insurance will either be arranged by the Residents Management Company (RMC), the Landlord, Freehold... more »

What does buildings insurance cover?

Belinda Thorpe, Managing Director of Residentsline, tell us what we need to know. Did you know the average claim for a burst... more »

Buildings Insurance  What you need to know

John Ward is the Managing Director of Insight Property Consultancy who provide a diverse range of service to the property... more »

Directors and Officers Liability Insurance

Reading through articles in property magazines you are often prompted to review your insurance coverage to ensure you have sufficient... more »

Choosing the right insurance broker

Belinda Thorpe, Managing Director of Residentsline, explains why choosing the right insurance broker is so important for you. The... more »

Insurance and your Lease

Belinda Thorpe, Managing Director of Residentsline, advises who is responsible for placing the property insurance and what to do if... more »

Overlooked Insurance Products

Belinda Thorpe, Managing Director of Residentsline, provides us with what we need to know about these sometimes overlooked insurance... more »

How is your premium calculated?

You probably wonder when you ring around to review your insurance premium why you are given so many different premiums, for the same... more »

What policy excess should you choose?

Normally excess options will be offered, when you obtain and insurance quotation for your block. An excess is the first part of a claim... more »

To VAT or not to VAT?

Managing Director of Residentsline, Belinda Thorpe, investigates this important question. All Residents’ Management Companies... more »

Getting the best from your broker

As a homeowner, taking out the right level of buildings and contents insurance is important. Therefore, as a director of a Residents’... more »

Private Roads and Gated Estates

Belinda Thorpe, Managing Director at Residentsline, discusses the requirements of gated estates and private roads across the insurance... more »

The Reasonableness of Insurance Premiums

By Mark Loveday, barrister at Tanfield Chambers and a judge of the First-tier Tribunal (Property Chamber), and Ibraheem Dulmeer, solicitor... more »

Protect yourself with the right Insurance cover

Nowhere to hide Just imagine for a moment how you would feel if, whilst fulfilling your duties as an RTM director, you are faced with... more »

Don't fall in to the VAT trap

If you have to make a major claim against your buildings insurance, VAT will be an important aspect of the rebuild cost, explains Roger... more »

Directors & Officers Liability Insurance

Belinda Thorpe investigates the risks to RMC Directors. Those who serve on a Residents' Management Company (RMC), Right to Manage... more »

Have you decided against Directors & Officers Liability Insurance?

Belinda Thorpe, Managing Director of Residentsline, looks at why Directors and Officer Liability Insurance should be considered. Directors... more »

Engineering insurance and why your block needs it

Paul Robertson uncovers the background to engineering insurance and explains why your block needs it Arguably Insurance companies... more »

Lift Inspection and Insurance

It is a legal requirement for lifts to be inspected by a competent person. Lifts would include passenger lifts, window cleaning hoists... more »

Machinery Breakdown insurance

If your premises contain lifts and/or boilers and/or electrical or electronic machinery, cover is available to protect your Residents'... more »

Employers Liability

Employers Liability - are you sure we don’t employ anyone? It’s a question probably posed at many Residents’ Management... more »

What Makes for Exceptional Customer Service & Why is it so Important?

Belinda Thorpe, Managing Director of Residentsline, discusses why good customer service is such an important part of her brand. Customer... more »

The importance of the correct property valuation

Don't forget to regularly check that your sum insured is adequate to cover major damage to your block. In recent years and as reported... more »

How can I keep my insurance costs down?

That dreaded time comes round when you have received your insurance renewal quote through your post box… have you ever considered... more »

Your checklist for insurance small print

The devil is in the detail Insuring a block of flats or a building converted into flats is very different to insuring other types... more »

Private road and gated estate insurance

Belinda Thorpe, Managing Director of Residentsline, looks at the key requirements of gated estates. At Residentsline, we are aware... more »

What can I do if I wish to obtain a copy of the insurance policy from my landlord?

Advice from Karen Bright, Partner at Bishop & Sewell It is often a requirement in a lease for the landlord to maintain a... more »

Insuring the uninsurable

Unable to obtain flood insurance for your block? Paul Robertson has a solution. Last month I explored the problems experienced... more »

Inflation protection. What is the difference between Index Linking and Day One?

There are two main methods used by Insurers to protect policyholders from the effect of inflation during the period of cover –... more »

Adequacy of sum insured

Rebuilding costs – what do they really mean? Many insurance products for flats and apartments in theUKhave evolved over the... more »

Rebuilding costs - what do they really mean?

Many insurance products for flats and apartments in the UK have evolved over the last twenty years, originally designed by insurers... more »

Paying the price of uninsured perils

Paul Robertson explains how finding your block is unable to insure against perils such as flood can affect your service charge. The... more »

Residentsline's advice on staying adequately insured

Unsure about the different methods used to protect your insurance policy from inflation? We talk to Managing Director of Residentsline,... more »

Is your block under insured?

Getting What You Pay For Lorna Harrington takes a look at some frequently overlooked aspects of block insurance that will impact on... more »

Insurance Disputes

There are many situations that can occur which would lead to a dispute around insurance- here we will summarise the most common: Your... more »

New Year, new products from Residentsline

Belinda Thorpe, Managing Director of Residentsline looks at what we can expect in 2019. As we make a start on 2019, we can’t... more »

The benefits of a specialist insurance broker

Recent research found that Residents’ Management, Right to Manage Companies and Resident’s Associations preferred the... more »


Possibly one of the most controversial subjects in flats insurance is the issue of commission and to whom it is payable.   It... more »

Block Insurance is Not a Commodity

Paul Robertson, Managing Director of Midway Insurance and 1st Sure Flats explains With June fast approaching we can look forward... more »

Terrorism - not necessarily the obvious threat

Tempting, isn’t it, when considering renewal of your residential buildings insurance, to leave out terrorism cover. It may seem... more »

Insurance speak explained

ACT OF GOD An event occurring without human involvement and which could not reasonably have been forseen or avoided, defined in Nugent... more »

Terrorism Insurance - who wins?

Paul Robertson explains the recent changes to terrorism policies The last time significant changes were made to terrorism insurance... more »

Video Terrorism Insurance

Terrorism has become an everyday occurrence. Today, somewhere in the world, an act of terrible violence is likely to be committed.... more »

Dealing with out of hours emergencies

If a pipe bursts in the middle of the night in a block of flats, it’s likely that an anxious lessee will call his or her managing... more »

How to handle frozen pipe emergencies

A frozen pipe is an emergency, because this will cause it to burst causing thawed water to come pouring from the break. The following... more »

Water Damage

Have you ever looked at your insurance renewal documents to find your Buildings premium has risen well beyond inflation? Often... more »

The risk to flats from flood water

From flooding to burst pipes and from faulty Christmas tree lights to forgotten candles, the winter can be fraught with danger for... more »

Leaseholders Left To Sink Or Swim

Millions of homeowners living in areas at risk of flooding will face long term misery if the government presses ahead with plans to... more »

Legal duties when employing contractors

A lack of control of contractors can and does lead to many accidents and injuries not only to contractors employees, but also the other... more »

How do we make sure we have the correct sum insured

The quality of your insurance cover is paramount, but the next most important matter is the accuracy of the buildings sum insured. As... more »

Are you ready for the Insurance Distribution Directive?

This month Paul Robertson looks at the implications of new insurance regulations which become effective on the 1st October and how... more »

How insurance policies can fall foul of section 20

Paul Robertson explores how insurance policies can fall foul of section 20 which is particularly relevant given the recent Corvan ruling. It... more »

Cyber Threats

Paul Robertson looks at Cyber Threats. These caused losses in the UK of £11 Billion last year. Whilst insurance is available... more »

Theft in Paradise - A real example of cyber crime

Paul Robertson, Managing Director of Midway Insurance and 1st Sure Flats tells of his recent experience. Probably the last thing... more »

Cyber Extortion and Freeholder Extortion

In May we saw remarkable and disturbing events that many will wish to forget. Firstly the cyber-attack using ransomware that crippled... more »

Insurance for Let Flats

Products to consider if you are a Landlord Deposit Replacement   Although requesting a cash deposit when you take on a... more »

Unlawful insurance distribution

The month Paul Robertson looks at how property managers may be committing a crime by distributing insurance without appropriate legislation. Following... more »

Lessees' fixtures and improvements

A new Insurance cover for blocks of flats and apartments has hit the Uk in 2012. “Lessees Fixtures and Improvements”... more »

Fidelity Guarantee Insurance

As a Director of a Residents’Management Company (RMC), you place your trust and faith in your Committee members and employees.... more »

Voluntary Workers cover

It is quite common for a Residents’ Management Company to enlist the assistance of unpaid voluntary workers to perform daily... more »

Flooding - are you at risk?

The insurance bill for damage caused by floods so far this winter will reach £1.3bn, but are you covered and what should you... more »

What is Entity Cover?

Entity Cover is normally an extension to your Directors & Officers Liability Insurance policy. Entity Cover is taken out to protect... more »

Home Emergency Cover

MaintenanceLine has been delivered by Cunningham Lindsey offering emergency assistance on behalf of managing agents, landlords and... more »

ARMA Advisory Note - Insurance

In this Advice Note, well take a look at your legal rights when it comes to insuring your block. We'll also explain the different... more »