Insurance for flat owner

[Abo]

Hi

Don't know if this is the right forum, but if not perhaps you could point me to a better one.

My son owns his flat. The freehold is owned jointly by all the flat owners in the building, and buildings insurance is held jointly.

If my son's central heating were to have a leak that caused damage to other residents flats and contents, is my son liable or should it be covered by the joint buildings insurance? If he is liable, what sort of insurance would he need to address this?

What about if, say, his bath overflowed and caused damage below?

Many thanks

Abo

[atticus]

Your son needs to look at his lease to see what is his responsibility. I would say that the central heating system in his flat is likely to be his responsibility, and therefore his liability in the circumstances you describe.

An overflowing bath will almost certainly be his responsibility.

[Abo]

Thanks Atticus, that was my belief.

I guess a contents insurance policy would have coverage available for this?

Abo.

[atticus]

That is something you ask insurance companies before buying a policy.