What is flat insurance?
- It's a policy that insures the contents of your flat, it could also include buildings cover
- If you're renting, it could protect your belongings against theft, loss and damage
- If you own your flat, it could provide cover for both your possessions and the building
Try our guide to flat insurance if you'd like to know more.
Why should I compare flat insurance with Confused.com?
If you rent your flat, your landlord may already have buildings insurance in place, to protect the property's bricks and mortar from things like weather damage and fire.
But if you own a leasehold flat, or part of the building's freehold, you may need to get your own buildings insurance, either just for your flat, or together with other freeholders to cover the whole block of flats.
Whether you rent or own, you might want cover for your possessions. Contents insurance isn't compulsory but it could protect your things from theft, loss and damage if you suffer a burglary or disaster.
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Looking for different type of home insurance? Try one of these...
A UK home is burgled every 45 seconds. Cover your contents so you're not left out of pocket...
Landlords risk rent loss, repair costs and legal claims. Get the right cover for you...
Protect your bricks and mortar from the unpredictable British weather...
See all of our home insurance types
Why do I need flat insurance?
Living in a flat means your belongings might be more vulnerable to theft and damage than if you live in a house. Some of the reasons for this include:
- There are more people entering the building
- Burglars see shared accommodation as an easy target
- Damage might be caused by neighbours
You can take measures to help prevent your flat from falling victim to a burglary. Try reading our guides to lock types and burglar alarms for some helpful advice.
It's important not to underinsure on your policy, as your insurer could refuse to pay out the full amount of a claim if you don't have enough cover in place.
Figuring out what your belongings are worth can be tricky, so you may find our guide to calculating the cost of your contents handy.
Compare cheap home insurance quotes
Are you undervaluing your home contents?