If your home has been flooded before, or is at risk of flooding in the future, you’ll know that arranging your home insurance can be costly, and frustrating as a result. It can often be hard to find affordable cover for homes that differ from the norm.
We specialise in finding you the cover you need, from our panel of trusted insurers, because we understand that non-standard home insurance doesn’t need to be a headache!
You would be surprised to find out what can make your home ‘flood-risk’ and once you know what to look for, you can go to the specialists to get the cover you require.
Insurers tend to view properties or areas as a flood risk if they have been flooded regularly before, or are likely to flood again. Insurers may also consider things like distance to the nearest water course (rivers, streams, lakes and sea) and whether or not your home sits on a flood plain when assessing whether a property is at risk of flooding.
You will probably find that if your home is considered to be in a high risk flood area then many insurers will not offer you cover. If they are willing to cover you, it can often result in high premiums and excesses. This is why it is beneficial to go to the specialists to get a competitive premium and excess for your home.
To view the full FAQs for Home Insurance please click here.
|My garden has flooded but not my property, why is this classed as my property has flooded?||During a flood, if the water has entered the boundary of your property – this is classed to an insurer that your property has flooded in the past, even if only your garden has flooded.|