Why you need property insurance for your block of flats
If you own a block of flats across the Channel Islands, Islands can ensure you have the appropriate insurance for your needs. There are a number of risks that flat owners are faced with including fire damage, tenant injuries, theft and loss of rental income. We have flexible and extensive policies for blocks of flats that are ideal for protecting not only the bricks and mortar of your property, but the contents as well.
Our professional team here at Islands would be delighted to assist you in placing a policy that suits your own unique needs as a landlord.
Covers & benefits provided
Our block of flats insurance is extensive and designed with Channel Islanders in mind.
Whether you own or rent the buildings you need to consider insurance not just for the bricks and mortar of the property but also any internal improvements you have made, such as installing a new kitchen or bathrooms. Any external outbuilding, driveways, or walls also need to be taken into consideration when insuring the premises for their full rebuilding costs (including professional fees and the cost of site clearance).
Protect your income or re-home your tenants should your property become uninhabitable following an insured event such as fire, flood or storm damage.
Cover for third party injury & property damage included as standard for up to £5,000,000 with a further option to increase to £10,000,000 also available.
If the property has a lift, it needs to be inspected annually to comply with Health & Safety obligations. Cover can also be extended to include machinery breakdown.
Cover to trace the source of leaks automatically provided.
Ensure that the communal contents of the block are also covered.
Standard Coverage
Your policy will generally cover you for a number of insured events, such as:
- Fire
- Lightning
- Explosion
- Earthquake
- Flood
- Storm
- Malicious Damage
- Theft
- Accidental Damage
Expert Insurance for Your Needs
Experience the tailored care and expertise of Hepburns. We’re more than brokers; we’re your personal insurance confidants for life’s complexities.
Why choose Islands?
Our locally-based team is dedicated to providing specialist, personal service, to give you peace of mind with insurance cover for the things that matter.
An experienced market-leading team, delivering specialist advice and expertise for over 40 years.
Pop into our office, speak to us on the phone, send an email, or browse through our website.
We have bespoke Channel Island products designed and rated with this in mind that can be individually tailored for your needs.
We are proud to support the local community through several sponsorships and partnerships, helping to protect our rich heritage and take care of our beautiful islands.
Friendly, experienced local claims team giving guidance and help when it matters most.
Available if you have more than one policy with us.