Flat insurance is an extremely important issue for flat owners.  There are three key types of flat insurance every flat owner should be aware of: buildings insurance, contents insurance and directors and officers insurance.

In this section there are many articles about insurance for flats, including what your insurance obligations are as a flat owner or landlord, how to get the best premium on your flat insurance, as well as other information about insurance for flats. If you have more questions, require further clarification, or want to suggest an article don’t forget to contact us, comment on an article or leave a comment in our forum.

Is your block under insured?

BUILDING REINSTATEMENT VALUATIONS (BRV’s) are often overlooked by property owners, who may wrongly assume that building costs rise or fall in line with inflation. This is not so and a more accurate method of establishing the true cost of rebuilding is to have the property reassessed periodically.

THE POLICY MOST OFTEN FORGOTTEN

Why flat owners should not forget their personal property..

Keeping your flats secure

James Hall at Lampier offers his company’s view on the policies you may need. 

WILL YOUR INSURANCE POLICY ACTUALLY PROTECT YOU?

John Byers looks at the sensitive topic of under-insurance.

Cause and effect

Jonathan Walker, of Stride Ltd, assesses the impact of the credit crunch on the property insurance market.

IT’S FOLLY TO CUT CORNERS

You need specialist flat protection? Then you require a broker to guide you...

Increased premiums on the horizon

Insurance premiums are, by the nature of the beast, hard to part with in the knowledge that you may or may not receive some benefit from your purchase.

Insurance - CHOOSE THE RIGHT POLICY FOR YOUR FLATS

Once all policies looked identical; the market is now so diverse that inside knowledge is essential.

Are you insured for that?

Buildings Insurance Premiums – A few tips that could help Resident Directors save up to 50 per cent at their next renewal.

Ian Reid Managing Director of Brevent Insurance, the leading independent block of flats insurance specialist explains why Resident Directors should pay much closer attention to their insurance arrangements now, especially as in many cases they represent 15-20% of the annual service charge.

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The recent Hosebay Case

The recent case of Hosebay Limited v Hugo Benjamin Day and Lady Hilary Maureen Greenslade Day (2009) is the latest judicial offering on the thorny issue of what constitutes house under the Leasehold Reform Act 1967 (the Act).

Abandoning the communal heating system

Communal heating systems are very common within older blocks and it is inevitable that at some point the Residents Association will consider abandoning the system in favour of installing independent boilers and heating systems to each flat.Whilst the idea of each resident having their own heating system is desirable for all sorts of reasons, making it happen is not as straight forward as you would imagine, so in order to save you time and money on consultants and surveys let us first look at the practical issues.

One Park West in Liverpool

Over the past 10 years it has become a cliché for residential developers to hire famous architects. And in Liverpool Grosvenor didn't spare a penny by hiring international architect Cesar Pelli (famous for the Petronas Towers in Kuala Lumpur) to design their landmark city centre block, One Park West.

Peverel OM Relaunch

Leading national property management company Peverel OM has relaunched as OM Property Management. Andrew Billson, Managing Director of Operations at OM Property Management, comments:

Leader of the Pack - NOTB Interview with Melissa Briggs of CARLEX

As membership of pressure group CARLEX swells, News on the Block interviews co-founder Melissa Briggs, about the Campaign for the Abolishment of Retirement Leasehold Exploitation.

How to keep your block rodent free

Dr. David channon explains why winter is the busiest period for rodent control. As we all shiver and long for the warmth of our comfy houses whilst commuting to work in the freezing weather, rodents share our sentiments and are also looking for cosy hideouts during the cold snaps.

Peverel Awarded Investors in People

Peverel Property Management has been awarded the prestigious Investors in People accreditation in recognition of its performance in training and developing its 1,200 staff.

FPRA steps up campaign for independent regulation of managing agents

Federation of Private Residents Associations (FPRA) Chairman, Bob Smytherman has written to the Secretary of State with responsibility for the private leasehold sector calling for an independent regulator for the industry, similar to the one that regulates Council Housing and Housing Associations.

Flat Owners Petition Downing street

The Prime Minister, Gordon Brown, has been petitioned “to create a body which will oversee and regulate the leasehold management industry, enforce a proper code of conduct offering protection to owners of leasehold properties from unreasonable service charges and poor quality of service”.

Stonedale MD Becomes IRPM fellow

Ruth Emanuel, Managing Director of Stonedale Property Management has been awarded Fellowship of the Institute of Residential Property Managers (IRPM) for her contribution to the property management industry over the past 23 years.