Most purpose built flats are insured by the freeholder or through a managing agent company but more and more leaseholders are looking to insure the flats themselves to save money.
You the leaseholder are entitled to ask how much commission you are being charged by the insurer/managing agent under FSA guidelines, most provide this information.
Horner Blakey can offer competitive, cheap quotations for all property all risks covers for all types of flats.
Many insurers will only insure flats together under one policy since this is to prevent complications in the event of a claim. A dispute may occur if separately insured over the responsibility of certain parts of the property. The usual areas where disputes arise are the drains, communal areas and the roof.
Horner Blakey can consider individual flats insurance, if you require a quotation please contact us.