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Make sure you’re properly covered against the damage caused by flooding with a specialist flood risk property insurance policy. Compare quotes across a specialist panel of insurers here. Not sure if you need a specialist flood risk home insurance policy? Don’t worry – we’ve broken down everything you need to know about flood risks.
Get A Free QuoteA high flood risk area is any area that is at a 1% to 3% chance of being flooded annually. Typically, these are areas that are in close proximity to the sea, a river, a lake or a canal, however, areas with unusually high levels of surface water can also be considered flood risks even if they are nowhere near a large body of water.
At InsureMy we only ever work with trusted and reputable specialist flood risk area insurers and we price match every quote, so you can be sure you’re getting the best deal. Here are just a few InsureMy perks you may struggle to find elsewhere:
Don’t worry if you don’t know how likely your area is to flood, there’s multiple ways to asses whether your property is a flood risk. You can either pay for a professional flood risk assessment (also commonly referred to as an FRA).
Alternatively, there are local authorities that can help you determine if you live in a high flood risk area.
Flood insurance protects your home against any damage caused by excessive water. What you’re covered against will depend on whether you purchase buildings insurance, contents insurance or both.
Drying out your home and clearing any mess caused by the flooding
Restoring fittings
The cost of any legal fees (often an optional add-on)
Cost of rebuilding property damage
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Furniture
Carpets and flooring
Personal valuables
Electrical goods
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Read below to find out some of the most frequently asked questions around flood risk area insurance.
