Building Insurance

A co-owned building, such as an apartment complex, consists of both shared areas (roof, stairwells, elevators, facades) and private parts (individual apartments or units). Protecting these spaces separately can be complex, costly, and inconsistent. That’s why many co-owners and property managers choose a Blokpolis — the comprehensive fire and building insurance for the entire property.

Why Choose a Blokpolis?

• One contract for all – Every co-owner is covered under a single, clear policy. No need for each resident to take out their own fire insurance.
• Financially attractive – A group contract is often more cost-effective than individual policies.
• Consistent coverage – All units and shared spaces are insured under the same terms, avoiding gaps or overlaps in protection.
• Simplified claims process – In the event of damage, there is one insurer, one contact point, and one procedure for all parties.

What Does It Cover?

A Blokpolis generally includes protection against:

• Fire, explosion, and smoke damage
• Water damage and storm damage
• Natural disasters (hail, snow pressure, flooding, earthquakes)
• Glass breakage
• Vandalism and burglary damage
• Civil liability of the VME (association of co-owners)

Additional cover can often be tailored, for example to include solar panels, underground garages, or valuable shared equipment.