Flood Risk Insurance

Get Specialist Flood Risk Insurance

If your home is in an area that at a high risk of flooding then you will need to take out specialist flood risk insurance. Most insurance companies will provide home insurance for those at risk of flooding but the premium or excess may be higher than usual. Things to consider before taking out flood risk insurance include:
  • The value of your home
  • The combined value of your contents
  • The flood prevention measures that you could have in place to save on your premiums

For flood risk insurance, see the table below for leading home insurance deals and get quotes to find one that offers the cover you need.


ProviderProductOnline DiscountNo Claims DiscountDirect InsurerApply
Unoccupied House Insurancen/an/ano 
Hiscox High Value Contents Insurancen/aNilyes 
Direct Line Commercial Property Insurancen/aNilyes 
Insurance Choice Specialist Home Insurancen/an/ano 
Northern Ireland Home Insurancen/an/ano