Could somebody reccomend a reliable insurance broker?

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    Could somebody reccomend a reliable insurance broker?

    Hi all,

    I have a leasehold flat which i'm about to start renting and want to get some landlord insurance. The thing is that the service charge I pay includes building insurance. It seems that because of this some of the online comparisons won't give me a price. I'd like to speak with a reputable broker to try and find some cover for my needs. Would appreciate any advice.

    #2
    It is unusual for the buildings cover not to be communal in blocks of flats.

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      #3
      In most leases the insuring of a building belonging to freeholder is done by freeholder or via the service charge account.

      "you" as the leaseholder of a flat are not able to get insurance cover for the building.

      But you should be able to get cover for your contents and accidents inside the flat, and public liability ( including damage by water leaks to flat below ,

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        #4
        if you take cover for contents (which I recommend for the following reason) you will be covered if your tenant floods out the flat below. The landlord's material damage insurer will look to the leaseholder of a flat above for a recovery if there is a leak into their insured premises below. We go as far as putting an obligation in our leases and lettings agreements such that occupiers must insure their contents; not because we care about their three piece suite but to cover the liability when a leak is caused from one flat to the premises below.

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