Hi, we had exactly the same problem. We bought a freehold house on a small estate which had leasehold flats and freehold houses. We were told by our solicitor that we didn't have to pay buildings insurance as the management company paid this. When I got the following years bill I queried it with the management company who stated that no they didn't pay the buildings insurance for the houses, only the flats. Anyway, to cut a long story short - they had been paying our insurance but shouldn't have been doing so, it was a mistake on their part. They now only pay the insurance for the flats and not the houses. It is up to the owners of the houses to pay their own buildings insurance and I believe this should always be the case. It's well worth getting to the bottom of this matter, it sounds as if it's a mistake on the part of the management company. Stick with it - it took me ages to sort out and I'm still having problems with the management company! One tip - I asked them to send me a copy of the insurance certificate where it clearly stated that our property was covered for buildings insurance - it would be worth asking your management company if you could have a copy of the insurance certificate, it should hopefully clarify the matter for you. Best of luck!!