Flat insurance helps cover the cost of repairing or replacing lost or stolen items. Some policies even cover accidental damage – ideal for life’s mishaps big and small, from burst pipes to break-ins.

The right insurance can protect everything from your belongings to the structure of the flat itself. You can tailor cover depending on your situation: owners typically need both buildings and contents cover, while renters may just need contents insurance.

It’s important to understand who is responsible for taking out insurance on your flat, and making sure you are covered.