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Building insurance
We’re usually responsible for arranging your building's insurance for leaseholders. Find out what's covered and how to make a claim.
Contents
What's covered
The policy includes cover for damage to the structure and communal parts of the building caused by:
- fire, explosion lightning or earthquake
- smoke
- riot, civil commotion, strikes, labour or political disturbances
- malicious damage
- collision by aircraft, other aerial devices, any vehicle (or articles dropped from them), or animal
- storm or flood
- escape of water from any fixed tank, fish tank, pipe or appliance and damage caused by bursting or freezing
- falling trees or branches (and removing fallen trees or branches that cause damage to the buildings), or telegraph poles or lampposts
- theft or attempted theft
- subsidence or ground heave of the site on which the buildings stand, or landslip
- leakage of oil from any fixed oil-fire installation, including smoke and/or smudge damage arising from defective vaporisation
- breakage or collapse of television or radio signal receiving apparatus
You are not covered for day-to-day maintenance or repairs caused by wear and tear.