Buildings insurance for leasehold properties
What is buildings insurance?
Buildings insurance covers the structural parts of a building, such as the walls, floors, ceilings and the roof. It covers the cost of repairing damage from unexpected problems, or rebuilding the property if necessary.
For houses, it may also cover permanent fixtures and fittings such as radiators, bathroom fittings and fitted kitchens.
For flats, buildings insurance arranged by the freeholder will usually only cover the structure of the building and common parts. You'll need to take out your own insurance for your internal fixtures and fittings and your personal possessions, such as furniture or electrical items.
The details of what’s covered depend on the terms of the policy. It will usually include damage from things like water leaks, fire, flood, storms, fallen trees, subsidence or vandalism. It does not cover damage that happens gradually from wear and tear.
Buildings insurance is not required by law, but it will usually be a condition of your lease. Your mortgage provider will also usually require it.
- Last updated:
- 1 December 2025
- Next review:
- 1 December 2027
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