Home insurance cover for flood risk areas

Flood Re is a joint initiative between the UK Government and insurers to make flood cover more affordable and accessible for homeowners living in flood-prone areas. Established as a reinsurance company, Flood Re allows insurers to pass on the flood risk element of policies to Flood Re, which in turn helps to keep insurance premiums more manageable for properties at high risk of flooding.

This initiative aims to ensure that homeowners in flood-prone zones have access to adequate insurance coverage without facing prohibitively high costs. Through Flood Re, insurers like Intelligent Insurance can offer more competitive premiums and comprehensive cover, making it easier for you to protect your home against flood damage.

Determining whether your property is located in a flood risk area is an essential step in assessing your insurance needs. In the UK, you can easily check this by visiting the Environment Agency’s website or the Flood Map for Planning service. These resources provide detailed flood maps and risk assessments based on your property’s location. For a live view of the risk of flooding from rivers and sea, you can also refer to this interactive map. Additionally, local government websites often have information on flood risks specific to their area, such as Scotland’s SEPA, Wales’ Natural Resources, or Northern Ireland’s DFI.

For a more comprehensive understanding, consider consulting a professional surveyor who can assess your property’s risk level. Knowing your property’s flood risk status can help you make informed decisions about the type and extent of flood insurance coverage you need.

Intelligent Insurance’s flood insurance policies are designed to cover various types of flooding, including surface water flooding, river and coastal flooding, and flooding caused by rainwater runoff.

The policy covers alternative accommodation costs, debris clearance, drying and restoration of the home, building repairs, and contents replacement.

If your property has previously flooded or is in a high-risk flood area, it’s essential to consider a policy that includes flood cover.

Obtaining a quote for flood insurance is quick and straightforward. Simply fill out the quote form with your details. Within minutes, you’ll receive a competitive price proposal. Our team is ready to assist if you have any questions during the process.

Along with flood risk properties, we offer coverage for a variety of non-standard situations. Contact us for more information on the types of properties we insure.