Leasehold risk checklist
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Leasehold Insurance Anomaly Check
Insurance terms can hide cost risk. Look beyond premium totals to excesses, exclusions, and unresolved claims history.
Built for England & Wales leasehold transactions.
Checklist
- Compare premium trend over at least 2 policy periods.
- Review policy excess values and whether they are proportionate.
- Check exclusions, endorsements, and high-risk clauses.
- Ask if major claims affected pricing or terms.
- Confirm allocation method for insurance charge to your flat.
Warning signals
- Sharp premium increase with no explanation.
- High excess values that could create sudden costs.
- Missing schedule pages or incomplete policy summary.
- Unclear treatment of recent claims and renewals.
Questions to ask
- What caused the latest premium increase?
- What is the applicable excess for key claim categories?
- Were there material claims in the last 3 years?
- Can you provide the full current schedule and renewal correspondence?
Apply this to a live pack
This page is generic guidance. Use LeaseLens when you want pack-specific Quick Findings and the option to unlock the Full Report.
Related guides
- Compare Three Years of Accounts
Compare Three Years of Accounts for England & Wales leasehold buyers and investors.
- High Insurance Excess Warning Signs
High Insurance Excess Warning Signs for England & Wales leasehold buyers and investors.
- Insurance Schedule Explained
Insurance Schedule Explained for England & Wales leasehold buyers and investors.
Related topics
- Lease terms, ground rent and fees
Review lease clauses, ground rent escalation, admin fees, and consent requirements that can affect affordability, friction, or resale.