The short answer
The freeholder almost always arranges block buildings insurance, recharged via service charge. Leaseholders are responsible for contents, improvements (e.g. fitted kitchens added after grant of lease), and the buildings insurance excess if a claim arises from their flat.
Frequently asked
- Can I see the buildings policy?
- Yes — under s.30A Landlord and Tenant Act 1985, leaseholders can request a summary within 21 days.
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