In article s.com,
Simon Reveley writes
replying to Martin Bonner, Simon Reveley wrote:
Sadly it's the council who has the home insurance - we only have our own
contents insurance, because the council is the freeholder of the block. As
part of our contents insurance we have "personal liability and your liability
as occupier of your home" but I assume that's different?

Ask your insurer for clarification - they are the only ones whose
opinion matters.
--
bert