Blocks of Flats

  • Buildings Insurance,
  • Rent Insurance,
  • Alternative Accommodation Insurance

Suits: UK Corporations with residential property

Our specialist team of underwriters can provide the right level of cover and service your customer need to protect their investments in blocks of flats.
  • Buildings Insurance
  • Loss of Rent cover
  • Alternative Accommodation
  • Public Liability Insurance
  • Employers' Liability Insurance
  • Contents Insurance

For a full copy of the wording, please contact your local underwriter at RSA.

Sweet spots

Examples of where we have a particularly strong appetite, are actively targeting, and have been found to be at our most competitive.

  • Purpose built Blocks of Flats

Positive risk features

Factors we will take into account to make our sweet spots even more competitive.

  • Post 1960 built
  • Standard construction including concrete floors
  • Over 3 years old
  • Professional lets or owner occupied
  • Majority occupied
  • Declared value £1m-£10m
  • Up to 10 stories in height
  • Favourable claims history
  • Single or multiple premises
  • Low flood and subsidence exposure
  • Well managed (on site personal, maintenance, caretaker)
  • Good Security (electronic entry, 24 concierge, alarms)
  • Moderate values for fixtures and fittings
  • Converted block of flats
  • Non-standard construction (terms may be applied)
  • Mixed tenants
  • Some commercial element to the block is acceptable (i.e. retail on ground floor)


Risks we would never write, or write only rarely forming a small part of a wider portfolio.

  • Student accommodation
  • Social housing/housing associations
  • Holiday lets
  • Standalone commercial premises
  • 100% unoccupied blocks or blocks undergoing refurbishment


Pete Wallace
Senior Trader
0161 923 1731
Jennifer Dunning
Trading Underwriter
0161 923 1522
Blocks of Flats and Residential Properties
0161 923 1227

Claims Information

Block of Flats claims department:
0330 102 4004