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What is Mixed Occupancy Insurance?

Whether you own an entire block or just one flat within it, Mixed Occupancy Insurance provides comprehensive protection for properties with both owner-occupied and let units. Designed for freeholders, leaseholders, and managing agents, it ensures your building—and where required, contents—are properly covered, no matter who lives there.

Mixed Occupancy Insurance is a specialised form of property insurance designed for buildings that contain a mix of residents—such as leaseholders, tenants, and owner- occupiers. These buildings often fall outside the scope of standard home or landlord policies due to the varied nature of occupancy and responsibility.

This policy ensures that both structural and communal risks are insured under one solution, with options for contents cover if needed (e.g., in furnished communal areas or if you're responsible for insuring internal fixtures).

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Who Is It For?

  • Freeholders of residential blocks or conversions
  • Leaseholders responsible for insuring their portion of the property
  • Residents’ Management Companies (RMCs)
  • Right to Manage (RTM) Companies
  • Managing Agents acting on behalf of a collective
  • Mixed-use property owners (residential with commercial units)

What Does It Cover?

Our policies are tailored to your exact setup. Typical cover can include:

Buildings Insurance

Protection against fire, flood, storm, vandalism, subsidence, and more.

Contents Cover (Optional)

For communal areas or landlord-owned fittings and furnishings.

Property Owners’ Liability

Covers injury or damage claims made by third parties(e.g. slips in communal areas).

Employers’ Liability

Required if you employ anyone to work on-site (cleaners, maintenance).

Loss of Rent / Alternative Accommodation

Covers income loss or resident rehousing if the property becomes uninhabitable.

Terrorism Cover

Optional but often essential for city-based or larger blocks.

Legal Expenses

Help with disputes relating to tenancy, leasehold, or property damage.

Trace & Access Cover

Covers the cost of locating and accessing the source of water leaks.

Why Is Mixed Occupancy Insurance Important?

Standard home insurance won’t provide adequate protection for buildings with multiple residents and varied responsibilities. Without the right policy:

  • Leaseholders may be underinsured
  • Communal areas could go unprotected
  • Liability risks may not be accounted for
  • Claims could be delayed or denied

A combined solution ensures everything’s protected under one comprehensive policy.

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How Much Does Mixed Occupancy Insurance Cost?

The cost depends on:

  • The size and rebuild value of the building
  • Number and type of units (let, leasehold, owner-occupied)
  • Location and construction
  • Claims history and level of cover selected
  • Optional add-ons like terrorism or legal expenses

We offer flexible quotes for everything from small converted houses to large purpose-built blocks.

Why Choose Crowthorne?

  • Decades of experience insuring mixed and complex residential setups
  • Access to top UK insurers and specialist underwriters
  • Custom quotes built around your property’s occupancy model
  • Simple claims support and ongoing service
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What Our Clients Say

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“Crowthorne Insurance were very useful for when I needed 28 day chassis insurance on my unregistered classic Japanese import car in order to drive it to and from an MOT for its registration. Quick replies and no fuss. The price was high considering it was only for 28 days but I guess not unusual for that kind of specialist insurance. Would use again in the future!”
Beth L
“Contact with the Cowthorne team is a pleasurable experience - they are always helpful, efficient and will search the market for the best policy.”
Peter Foister
“Went there for my Car insurance. Got a great deal better than on line and other shops. Boss was a very nice chap and the man that served me Neil ,was very helpful.and sorted me out a great deal. Yes i can recommend this company. Hope i can say the same next year when i get the renew price. If they play there cards right they may get my house and other car and holiday insurance. Thanks Crowthorne insurance.”
Ray Thorpe
“I used Crowthorne Insurance recently as a new driver, and they really helped me out. They are always friendly and polite, never kept me waiting long over the phone or e-mail, and were always happy to answer any questions I had.I had a particularly good experience talking to Jack, who went above and beyond to get me a policy which wasn't prohibitively expensive at a time when the insurance market is particularly harsh to new drivers. It would not be an exaggeration to say that thanks to his efforts, I've saved thousands of pounds.I highly recommend this company and look forward to working with them again when it's time to renew. Thanks guys!”
James Lill
“I've been using Crowthorne insurance Ltd for quite a few years now. Never had any issues or problems. The staff are very friendly and professional. I highly recommend giving them a try.”
Richard Reynolds
“Very helpful and straightforward company to deal with . Thank you .”
Moira Scott
“I have been using Crowthorne insurance for years. I would highly recommend them. the staff are friendly and very helpful. on the occasions I have had issues or need changes they have been most helpful and speedy to resolve the problems. They now handle my whole family's insurance needs all 4 generations.Great job guy thank you”
Ian Howlett
“I have continued to use Crowthorne Insurance Services for many years now. The staff are always very accommodating to my ever changing vehicles and personnel.I would thoroughly recommend Paul and his team .”
Mark Bullen
“Outstanding service provided from Crowthorne Insurance from start to finish, highly professional service will definitely be using them for years to come!!”
Samuel Coombes
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We are proud to be a member of the British Insurance Brokers’ Association (BIBA), the UK’s leading trade association for insurance brokers. BIBA membership signifies our commitment to industry best practices, professional standards, and staying informed on the latest developments in the insurance sector.