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Building insurance for council leasehold properties

Do I need buildings insurance for my council leasehold property?

We have a legal obligation to provide building insurance for our leasehold properties, and do so through a ‘block’ policy that covers all council-owned property.  This policy covers the risks of fire, lightning, explosion, storm and impact by aircraft.  A proportion of the cost of this policy is recharged to you as part of the annual service charge.

Following requests from several leaseholders we also administer an optional comprehensive buildings insurance policy. 

  • The comprehensive policy covers all the risks included in the block policy plus loss or damage caused by smoke, earthquake, riot, civil commotion, strikes, malicious damage, collision by vehicles aircraft or animals, flood, escape of water from any fixed tank, falling trees or branches, theft or attempted theft, subsidence, ground heave or landslip, leakage of oil from any fixed oil-fired installation, and damage caused by falling television aerials or satellite dishes
  • The policy is renewable annually and is payable in advance, it does not form part of the service charge
  • The policy includes extended accidental damage cover (unless the property is sub-let), and your mortgage company can be named on the schedule
  • If you take out the comprehensive policy you are not charged for the block policy as well

You can request an application pack for the comprehensive policy online (opens in new window) or you can contact the leasehold services team.

Email: leaseholdservices@eastriding.gov.uk

Tel: (01482) 396154 

We do not currently provide home contents insurance for leaseholders, but would strongly recommend that leaseholders obtain their own contents insurance policy.

This information only applies to council leasehold properties that were originally purchased under the right to buy scheme. For information on other council leasehold properties please contact our valuations and estates team.

Tel: (01482) 393998

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What is the comprehensive buildings insurance policy for council leasehold properties?

We offer an optional comprehensive buildings insurance policy for our leaseholders that covers all the risks included in the block policy plus loss or damage caused by smoke, earthquake, riot, civil commotion, strikes, malicious damage, collision by vehicles aircraft or animals, flood, escape of water from any fixed tank, falling trees or branches, theft or attempted theft, subsidence, ground heave or landslip, leakage of oil from any fixed oil-fired installation, and damage caused by falling television aerials or satellite dishes.  It also includes extended accidental damage cover (unless the property is sub-let), and your mortgage company can be named on the schedule.

The policy is renewable annually and is payable in advance, it does not form part of the service charge.  If you take out the comprehensive policy you are not charged for the block policy as well.

You can request an application pack for the comprehensive policy online (opens in new window or contact the leasehold services team.

Email: leaseholdservices@eastriding.gov.uk 

Tel: (01482) 396154

We do not currently provide home contents insurance for leaseholders, but would strongly recommend that leaseholders obtain their own contents insurance policy.

This information only applies to council leasehold properties that were originally purchased under the right to buy scheme. For information on other council leasehold properties please contact our valuations and estates team.

Tel (01482) 393998

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I’ve just sold my council leasehold property, can I get a refund on my comprehensive buildings insurance policy premium? 

The comprehensive buildings insurance policy for our leaseholders is not transferable.  If you sell the lease you will need to let the leasehold services team know in writing so that the insurance can be cancelled. 

Email:  leaseholdservices@eastriding.gov.uk

The insurance can only be cancelled from the date that you inform us of the sale it cannot be backdated to the date of sale. A corresponding refund will be issued. 

This information only applies to council leasehold properties that were originally purchased under the right to buy scheme. For information on other council leasehold properties please contact our valuations and estates team.

Tel: (01482) 393998

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