Flat wall damage - Building insurance or Contents insurance?

rui1101

Hi

This is probably very silly question but I cannot find the information from my developer, I appreciate it if you can give me information! 

My apartment is a big new development with hundreds of flats and they (freeholder)have building insurance and we pay service charge for that. That would cover physical structure.
I was planning to buy contents insurance for my possession, but I cannot find any information if wall damage / broken glass by accident can be covered by such contents insurance.

I was told that building insurance will not cover anything if physical feature inside the flat is damaged. So what insurance can I go for? 

DullGreyGuy

You need to have more explicit guidance as walls aren't "inside" the flat, they are the flat itself. Some leases however do put the decorative finish of internal walls onto the leaseholder.

Contents covers the items you'd remove if you were to sell the flat, buildings cover the structure of the building. "Fixtures and fittings" are a bit of a grey area which more commonly fit under Buildings but some contents insurance cover them but then you are talking things like the kitchen cupboards or bathtub rather than the plasterboard of the walls.

MorningcoffeeIV

Wall damage would be buildings.

What sort of glass damage is it. Eg a window or a wine glass? The first would be buildings, the second contents.

eddddy

Your lease will tell you which parts of the building the freeholder is responsible for, and which parts you are responsible for.

For example, the freeholder might be responsible for the external walls, but you're responsible for the plaster on the external walls, plus the internal walls, etc, etc.


However, most leases would say that the freeholder has to take out an insurance policy that covers the whole building - including the parts the freeholder is responsible for, and the parts that you are responsible for.

So typically, you would only need standard contents insurance.