Block of Flats Insurance

Protect your assets with insurance you can trust

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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).

Loss of Rent / Alternative Accommodation

Protect your income or re-home your tenants should your property become uninhabitable following an insured event such as fire, flood or storm damage.

Property Owners Liability

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.

Engineering Insurance & Inspection Cover

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.

Trace & Access

Cover to trace the source of leaks automatically provided.

Communal Contents

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

Existing Customers

Renewing your policy

We will contact you prior to your renewal date with all the details of your policy cover for the coming year.

Payment options

Payment can be made by monthly direct debit or an upfront annual payment.

Making changes to your policy

Click here to make a change or request.


You can cancel your policy at any time by contacting us.

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.

Established and Experienced

An experienced market-leading team, delivering specialist advice and expertise for over 40 years.

Communication that works for you

Pop into our office, speak to us on the phone, send an email, or browse through our website.

Flexible policies, offering quality protection

We have bespoke Channel Island products designed and rated with this in mind that can be individually tailored for your needs.

Investing in our community

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.

In-House Claims Team

Friendly, experienced in house claims team giving guidance and help when it matters most.

Multi-policy discount

Available if you have more than one policy with us.

Request a callback

warning Due to recent events, we are currently experiencing a very high volume of calls in the claims department. For more information, please visit our Storm Support Hub.
Please select your location

To provide you with a tailored travel policy, please select your island below to be taken to the appropriate quote form.

Guernsey / Alderney