Home Insurance in Flood Risk Areas

With the increase of extreme weather conditions, it is no wonder that thousands of homes in the UK are located in flood risk areas. Fortunately, home insurance for flood risk areas is still available and some home insurance providers may accommodate for excessive water damage, with competitive quotes too.  You should be warned that if you do live in an area considered to be a flood risk, your premiums may be higher. Get quotes below to find the best cover at the best price:

Flood Risk Home Insurance
Insurance BrokerSpecialist InsuranceGet Quotes
Get quotes from one of the UK's specialist flood risk insurance providers - cover available if your property has been flooded in the past - immediate cover availableGet Quotes >
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Compare - Latest Home Insurance Deals
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

40% no claim discount if you have been claim free for five years or more

Smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum premiums apply.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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£1,000,000£150,000

Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline, 12-month guarantee on repairs

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Unlimited£100,000

Up to 20% Online Introductory discount for new customers.

(See terms and conditions)

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UnlimitedUnlimited*

Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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VariesVaries

Get quotes from over 65 home insurance brands in minutes, 25% of customers save up to £127.23, compare up to 30 policy features at once

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

Compare - Latest Home Insurance Deals
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

40% no claim discount if you have been claim free for five years or more

Smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum premiums apply.

Get Quotes >
£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

Get Quotes >
£1,000,000£150,000

Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline, 12-month guarantee on repairs

Get Quotes >
Unlimited£100,000

Up to 20% Online Introductory discount for new customers.

(See terms and conditions)

Get Quotes >
UnlimitedUnlimited*

Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

Get Quotes >
VariesVaries

Get quotes from over 65 home insurance brands in minutes, 25% of customers save up to £127.23, compare up to 30 policy features at once

Get Quotes >

*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

With the advances of technology we can now formulate flood risk maps and record accurate data about flooding in the UK. This means that insurance companies do not have to generalise on flood risk locations anymore, and can be more specific about flood risk homes.

If you are looking for home insurance in a flood risk area, you may want to use some of these tips:

  • Investing in personal flood defence systems which protect doors and windows etc can protect you further.
  • Check any plans to develop flood defences in the area which may reduce flood risk, and insurance premiums.
  • We would always advise you to get more than one quote on your home insurance so that you can compare different prices.

When looking for home insurance in flood risk areas, be especially cautious about the level of water damage protection you will receive.