Insuring a house split into two flats

dizmanning

Hello! I'm seeking some advice on buildings insurance for a house that I'm splitting into two flats. It has now been split, and each has its own address, entrance way, utilities etc, but both properties remain on the same title deed. When I come to sell one of them, I will issue a lease for that flat, which will still be attached back to the same title deed. My question is about how do I insure these flats - am I right in thinking that because they are on the same title deed, they need to be insured by the same insurer, or under a single insurance? So far I have gone through an insurance broker, who has managed this, but the insurance premiums are huge! Any advice on where I can go to get this insurance myself, or if I can, in fact, get two individual insurances for the two flats?
Many thanks, Diz

phill99

The title deed is almost irrelevant. You have a (albeit small) block of flats and it needs to be insured that way.


'Block policies' are very common and you need to find a broker that specialises in them. One policy for the entire building is far better than two individual policies as it will make sure that the whole building is insured.