Buildings insurance arrangements for a leasehold maisonette depend on the specific legal structure of the building. In many maisonette setups where two units share a building under a shared freehold or cross-lease arrangement, the buildings insurance is either managed collectively through a formal policy or split between the respective owners. If it is a true leasehold structure, the freeholder often maintains the master structural insurance policy for the entire building, recovering a proportional premium cost from the leaseholder via maintenance service charges.
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