Our policy, refreshed in 2016, is built to accommodate the full range of insurance needs of blocks of flats owners and offers several key differentiators:

- Malicious damage by tenant covered as standard
- Japanese knotweed removal up to £10K covered as standard - not only is knotweed destructive, growing up to 2m per year, but since 2014 controlling the plant is required by law
- £25K communal contents as standard and higher limits available
- £10M limit of property owner liability, because there's a big exposure for blocks of flats given the multiple dwellings
- Management Committee contents covered in any flat up to £2K
- Our 45 days unoccupied cover applies to the entire building, not just individual flats

At Pen Real Estate all of our clients have a dedicated claims handler, and their expertise means bespoke support that adds value at every stage in the process - that's why our claims team are multiple award-winners (Insurance Times Claims Awards Winners 2012, 2014, 2015, Finalists 2016).