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).


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?
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.
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.
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