Hi there,

I will answer based on my own experience as a property developer/buy to letter ...

1. You can get a quote from an insurance company and a. share the cost with the other owner 50/50 (assuming you py one full sum yearly) and b. name him/her on the policy too. I see no reason why any mainstream company will not cover you together.

2. Depends on the size of property, when it was built, the roof type, area, etc etc

3. Signing what? The insurance?

4. No idea.

5. I wouldnt bother with engines. As 1. above, try More Than, Tesco etc etc.

Sorry for the limited response, but more if is needed for a full reply.

Hi there,

I have a flat within a conversion of two flats in a terraced house in thornton Heath.

I would like to purchase buildings insurance only and as basic as is practical i.e. no frills. We will rely on our contents insurance for the extra protection to suit our own individual needs and seperately. I don't really want to use any management companies or create one!

My questions are:

1. Are there any products that support payments from two persons? (There are two owners of two flats)

2. How much should I expect to pay per year for basic protection i.e. structural, roof damage, storms, etc,

3. What should I watch for when signing - are there any major pit falls to avoid that would not get my roof/house rebuilt should the need arise.

4. What is this insurance called? Is it block insurance?

5. Any companies that you can mention that do this type of insurance? I can't seems to get any comparison engines to help me?

I really do appreciate any help! Cheers.

Dean Smith