that typically include features such as buildings cover, landlord cover (for rental properties) and extended cover for possessions contained within the flat.

Buildings cover is the main component of this type of insurance and provides financial protection if an incident damages the building itself or any permanent fixtures belonging to it – this could be anything from damaged windows, doors and walls to electrical wiring, plumbing and roofing materials.

For those who own a rental property, landlord cover provides vital protection against tenant-related incidents that might cause damage or require repair work; from malicious damage caused by tenants to rent arrears. While extended cover offers additional coverage for possessions inside the flat such as televisions, stereos, computers and furniture; often at an affordable rate when added on to a standard buildings policy.

To purchase Individual Flat Insurance you must provide proof that you are either a homeowner or have permission from a landlord/landlady before taking out a policy. The cost of your policy will depend on various factors including the size of your home, its location and the number of items contained inside it; so make sure you assess your individual needs thoroughly before deciding which level of coverage is right for you.