Building insurance for London City Island is typically organized at the block level—included within the service charges—and managed by the freeholder or managing agent. This covers:
External structure and permanent fixtures (walls, roof, communal areas)
Shared amenities like lifts and balconies
General rebuild or repair in the event of damage
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Unless you own a share of the freehold or the entire building, separate building insurance for individual leaseholders isn’t required.
While building insurance handles structural protection, your personal belongings—including furnishings and appliances—are not covered and require contents insurance:
Owner-occupiers should insure personal items and any belongings left in the flat
Landlords must cover provided furnishings (e.g., in furnished lets) via contents or landlord insurance
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Block policy may not include:
Landlord liability for tenant or visitor injuries
Loss of rent during repairs
Accidental or malicious damage by tenants
Higher excesses or limited cover detail
Leaseholders have the right to request full policy documentation from their managing agent.
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Recent industry reforms and ongoing legal cases emphasize insurance transparency and fair practices:
A class action lawsuit highlights undisclosed insurance commissions added to service charges, potentially costing leaseholders up to £3,500 in compensation.
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You may legally request block insurance policy details within 21 days and review for adequacy.
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| Role | Recommended Coverage |
|---|---|
| Owner-Occupier | Contents insurance for personal belongings |
| Landlord of Furnished Flat | Landlord contents, landlord liability, and loss of rent |
| Leasehold Freehold Owner | Block cover for building, additional protection for contents and liability |
Fraser Bond supports owners with:
Review of existing block insurance terms
Guidance on contents or landlord insurance needs
Access to transparent, tailored policies
Support in reviewing or challenging service charge inclusion of policies
Secure your contents and liabilities in London City Island—visit FraserBond.com for expert insurance guidance and landlord support.
