Hi Adam Thanks for your reply. Like you I have been insuring this flat for the past 22 years with no issue, for the past 8 or so with Saga. All fine till they passed all "landlord" insurance to another company who wanted to charge over £1,000 when it was £350 roughly. Hence me shopping around. To be fair, most of the companies I tried did not mention the "block" issue. It was only one company that explained that I should be insuring it as a block, but once raised it set me thinking what happens if there is say a fire in either flat. I have only yesterday managed to speak to my solicitor about this, and she said that everyone in Tyneside Flats just insures their own, but you have the right to, and really should look at the other flat to make sure they have insured it properly. not sure how to enforce that if they refuse to insure adequately! The solicitor of the flat below which is in the process of being sold did say that the lease contract does say both flats should ideally be insured as a block. Given my insurance is due to run out in 3 days I will insure mine alone for a high rebuild price, and think about it. Will keep you posted if I gain any more clarity! Perhaps some of the members are solicitors and have a view. Tough being a landlord nowadays!