Leaseholder buildings insurance

You are responsible for insuring the contents of your home. We are responsible for buildings insurance, which covers the structure of your home.

The structure of your home includes its fixtures and fittings, and any part of the communal areas that your lease says you are responsible for.

The policy includes the interest of the freeholder, head lessee, the owner or lessee of each property, shared owners, leaseholders, mortgagees, or other interested parties, including the mortgage lender.

The cost of the buildings insurance is included in your service charge and the amount takes into account the rebuild cost of your property.

The policy provides cover for damage caused to the building by:

  • fire, smoke, lightning, explosion, power surge explosion, earthquake
  • storm or flood
  • freezing water in fixed water or fixed heating systems, or water escaping from washing machines, dishwashers, fixed water or fixed heating systems or oil escaping from a fixed heating system
  • riot, civil commotion, strike, labour or political disturbance
  • malicious damage
  • theft or attempted theft
  • subsidence, heave or landslip of the site on which your buildings stan
  • falling trees or branches, including the cost of removing the fallen part of the tree or the complete tree if totally uprooted
  • falling aerials or satellite receiving equipment, their fittings or masts
  • impact by flying objects, vehicles, trains animals or aircraft or anything dropped from them
  • accidental damage to drains, pipes, cables and underground tanks
  • accidental breakage of glass in doors or windows, ceramic hobs if fitted, sanitary ware, solar heating panels fixed to and forming part of the building or within the boundary of the building

The policy also provides cover for loss of rent and cost of alternative accommodation, locks and keys and property owners liability insurance.

You need to be aware that some insured events are not covered if the property has been unoccupied for more than 60 days in a row.

You will need to let us know if:

  • you no longer live in the property and you have decided to rent it out
  • the property will be empty for more than 60 days
  • you carry out internal alterations

Make a claim

You need to report any loss or damage incurred as soon as possible.

Your buildings insurance is currently provided by Avid Insurance Services Ltd. If you want to make a claim, you need to contact their claims handlers Questgates Ltd directly on 01204 860427 (office hours) or 01214 110 535 (out of hours).

You will need to quote the policy number 2022CP000276 when you call them.

It is a condition of the policy that you must report a claim within 30 days of an incident.  If you do not do this, your claim may be declined

If you make a claim for theft, attempted theft or malicious damage, you need to inform the police of the incident and get a crime reference number. 

Each claim you make will be subject to a policy excess which is stated in the policy documents.

Full policy details and cover are explained in the policy documents:

Contact information

Home Ownership
Harlow Council
Civic Centre
The Water Gardens
College Square
Harlow CM20 1WG