If a house has been converted into flats with separate addresses and entrances, separate policies are required as the flats would be individually contained units; this will make sure the rebuild amount of all properties are sufficiently covered.

The type of cover needed should be chosen based on the use of each individual flat. For example, if a flat is rented, a landlord policy should be in place, regardless of whether other flats in the buildings are occupied and insured on a residential or let basis.