Circle Insurance Freeholder Scheme

Have you been searching for flat insurance?  Are you looking for a policy that will insure the buildings of the flat where you live? If so you may need Freeholder Insurance.

Why Do I need Freeholder Insurance? 

A Freeholder can be either somebody who owns a building but has leased it out to a  third party, or a group of leaseholders who live in the same building and have joined together to purchase the Freehold of the building.

Therefore if you singularly or jointly own the land that a residential block of flats or apartments sits on then you need to take out Freeholder Insurance.  Even though you will have purchased the freehold of your building, the lease of your flat will remain in place, however you will be classed as a joint freeholder of the building.

As a freeholder you will be jointly responsible for insuring repairing and maintaining the property and any gardens that were included in the purchase of the Freehold.

Leasehold flats can be in purpose-built blocks, converted houses or above commercial or retail premises.

Choosing which policy suits your precise requirements is where Circle can help. 

We have the expertise to advise on exactly what you need to ensure you have the right insurance in place at a cost effective price. 

Our Freeholder Insurance Policy provides cover as standard for;

  • Buildings
  • Glass
  • Loss of Rent/Alternative Accommodation
  • Property Owners Liability
  • Employers Liability

The policy can be individually tailored with the option to include;

  • Legal Expenses
  • Terrorism Insurance
  • Directors & Officers Liability
  • Engineering Inspection Insurance

Alternatively you may decide that one of our other policies may be more suitable for your needs.  Circle Insurance are able to offer a number of property based policies including;

Whatever your needs our small team of staff are here to help.  We are proud of our strong client relationships and look forward to assisting you. 

So for peace of mind and great customer experience either give us a call on 0115 284 2555 or click on the button below and we will call you.