Report on insurance for multi-occupancy buildings

Find out our recommendations for measures that industry, Government and regulators can take to increase the availability and affordability of cover for leaseholders of multi-occupancy buildings. 

Read  the report (PDF)

Why we are reporting

Following the Grenfell tragedy, the cost of buildings insurance to residential leaseholders and other property owners of multi-occupancy buildings has increased. This report examines the causes of those increases and sets out a range of potential action that we, Government and industry could take to address them. We welcome stakeholder feedback on these.

Who this is for

  • residential leaseholders
  • freehold property owners
  • property managing agents
  • insurance brokers
  • insurers

Next steps

In addition to the actions and intervention set out in the report, we plan to conduct further analysis of the insurance market for multi-occupancy buildings to inform our interventions. We welcome stakeholder feedback on the questions set out in the report. Comments can be sent by email to [email protected]. Where we think that the harms identified can be addressed through changes to our rules, we will consult on them in due course.


On 28 January 2022 the Secretary of State for Levelling-up, Housing and Communities asked us to review the way the market for multi-occupancy buildings insurance operates. We were tasked with finding the underlying causes of year-on-year price increases and assessing the causes of the marked restriction in coverage available for multi-occupancy buildings.