Cover built for homes in — or near — a flood risk area.
If your home has previously flooded, or sits in a flood risk area, standard cover may not be enough. We arrange specialist buildings and contents flood insurance, and can help you access the Flood Re scheme.
Four ways flood cover protects your home
Buildings and contents cover can be arranged together or separately, depending on what your property needs.
Building
Repair of the structure, foundations, plumbing and electrics, plus debris removal and drying out.
Contents
Furniture, appliances, clothing and personal items, covered against flood damage.
Alternative accommodation
Temporary accommodation costs if your home becomes uninhabitable due to flooding.
Legal & survey costs
Legal expenses and surveying fees related to flood damage, covered as part of your policy.
Not sure whether you need buildings, contents, or both? Our team will talk it through with you.
Get a Flood Home Insurance QuoteIs flood cover affordable if I'm in a high-risk zone?
If your home is in a high-risk flood zone, securing affordable cover can be challenging on the open market alone. The government-backed Flood Re scheme reduces premiums for high-risk properties by allowing insurers to claim back a proportion of costs from a central fund. Your home may be eligible if:
- It was built before 2009
- It's in a residential area and falls within a certain council tax band
- You or your family live in the property
Flood Home Insurance FAQs
What is flood home insurance?
Flood home insurance covers damage caused by floodwater entering your home. This includes scenarios where rivers, canals, or seas breach their banks; heavy rainfall leads to surface water flooding; or extreme weather causes coastal flooding. Standard home insurance may not always cover flood damage, which is why specific flood cover is needed to protect your home and belongings.
Do I need flood insurance if my home isn't in a flood-prone area?
Even if your home is not in a traditionally flood-prone area, extreme weather events due to climate change are becoming more common. Flood insurance offers vital protection from the unexpected costs of repairing water damage and replacing belongings. If your home is in a flood-risk area, it's highly recommended to secure adequate flood cover.
Are there any exclusions in flood home insurance?
While flood insurance provides substantial cover, there are exclusions. Typically, policies do not cover:
- Property outside the main building, like outbuildings, fences, or gardens
- Money and important paperwork
- Gradual flooding from groundwater or rising water levels
- Damage caused by neglect or poor property maintenance
Always read the terms and conditions carefully to ensure your specific needs are covered.
How do I compare flood insurance quotes?
When shopping for flood home insurance, comparing quotes is essential to finding the best cover for your needs. Consider factors such as proximity to water (rivers, canals, or the coast), your home's flood history, the level of cover you need (buildings, contents, or both), and the type and construction of your property.
Protect your home from flood risk today.
A quote for flood cover usually takes one short online form or call.
Get a Flood Home Insurance Quote
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