![[Toyota Times] Century as a Brand, Lexus as Innovation: All the Details on Toyota's New Project!](https://businessfortnight.com/wp-content/uploads/2025/10/Toyota-Times-Century-as-a-Brand-Lexus-as-Innovation-All-218x150.jpg "[Toyota Times] Century as a Brand, Lexus as Innovation: All the Details on Toyota's New Project!")
The flat we rent out has building insurance that we pay for via the service charge, but what would be the right level of additional insurance cover for us for contents and anything else we need to protect ourselves against?
Adam, Hampshire
This is a question that lots of apartment owners struggle with, so it’s good that you’ve brought it up.
Starting with the building insurance, which is covered in your service charge, it’s crucial to understand what this does and doesn’t cover. Typically, building insurance will safeguard the structure of your property, and permanent fixtures and fittings like bathrooms and kitchens. Having a buildings insurance policy is a requirement of any mortgage, so as this is in place at the block level you don’t
![[Toyota Times] Century as a Brand, Lexus as Innovation: All the Details on Toyota's New Project!](https://businessfortnight.com/wp-content/uploads/2025/10/Toyota-Times-Century-as-a-Brand-Lexus-as-Innovation-All-100x70.jpg "[Toyota Times] Century as a Brand, Lexus as Innovation: All the Details on Toyota's New Project!")
