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Flood Risk Home Insurance

Quick to buy online

  • We support and offer Flood Re.
  • All types of flood risk (coastal, flood plain).
  • Previous flood history considered.
  • Underwritten by AXA Insurance.
Emma Myrie

Written by

Emma Myrie

Insurance Underwriting Expert

Sophie Kamkar

Reviewed by

Sophie Kamkar

Content Marketing Manager

Less than 1 minute

Updated: 8 Apr 2024

Home insurance for flood risk areas

Thousands of UK properties are at risk of flooding. To continue to offer UK residents affordable flood risk home insurance, Homeprotect is working in partnership with Flood Re. This government-backed scheme allows us to cover more properties and provide home insurance for flood risk areas.   

Getting an online quote is easy too. We do the hard work for you, including working out your Flood Re eligibility. So, you can rest easy knowing that you’ve got the most affordable flood home insurance to protect your property. All in a matter of minutes!   

What is flood insurance?

Flood home insurance is a type of building insurance that covers a home and its contents against costs incurred as a result of water damage caused by flooding in the case of bad weather, high tide or burst river banks.   

Do I need flood insurance?

Homeowners sign up for home insurance with flood cover to ensure they’re protected in the case of damage to their home and belongings. If you live in a high-risk area, you may be required to flood-proof your home in order to be insured or to avoid a higher premium or excess cost. If your property has a history of flooding, you must inform your insurance provider of this. 

What does flood insurance cover?

Flood insurance covers the cost of removing debris, as well as the repair or replacement of damaged furniture, belongings, fittings and fixtures. It can also cover the cost of alternative accommodation if you cannot live in your home due to the flood damage.   

Examples of things in the home that can be covered are the foundation of your property, electrical and plumbing systems, kitchen appliances, carpeting, furniture, clothing, electronics and more.   

Who is eligible for flood re?

Being able to purchase a policy with Flood Re cover is dependent on meeting certain defined criteria. If your home or situation falls outside of these criteria, you won’t be able to take advantage of Flood Re. However, Homeprotect can still cover your home and belongings with our buildings policy, sometimes even with flood cover included. Start by getting a quote online to see if we can cover you.  

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What’s covered by home insurance?

Home insurance provides financial protection if you need to repair your home or replace your belongings after they’ve been stolen, damaged or destroyed.

It comes in two parts: buildings insurance (cover against damage to the property itself) and contents insurance (for damaged or stolen items within the home). These can be combined or bought separately, so the first step is deciding which option is better for you.

What we offer

Quick home emergency response times

Have a home emergency, such as electricity failure, faulty locks or vermin infestation? With the 24/7 Home Emergency cover, which we provide as standard, you can typically get an engineer at your home within four hours. And if you’re worried about an uncontrollable leak in your home, we aim to have an emergency plumber to you within two hours.

Extreme weather conditions may extend response time. Policy terms and claim limits apply.

5 star rated buildings cover

Our building insurance has been given the highest rating by independent financial research companies, Defaqto and Moneyfacts.

Repair guarantee

Any buildings work we undertake is guaranteed for 24 months following a claim and any contents repair work we undertake is guaranteed for 12 months.

New for old

Where we replace an item, we will do our best to meet the original specification on a ‘new for old’ basis. If we can’t find an exact replacement, we’ll offer you a suitable alternative, or a full cash settlement.

Legal advice

We provide Legal Protection cover as standard, giving you access to telephone legal advice on any personal legal issue, under the laws of the UK, any European Union country, the Isle of Man, Channel Islands, Switzerland and Norway.

What isn’t included?

Damage cause gradually, or by wear and tear, or by failure to fix a known issue.

Faulty design or poor workmanship.

Flood damage to outdoor fuel tanks, hot tubs, swimming pools, tennis courts, walls, gates, or fences (unless the main home is also affected at the same time).

The cost of repairing or replacing items following a mechanical or electrical fault.

Lost items.

high flood risk home Insurance Cover Levels

Our home insurance is designed to protect your home against insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave. Where possible, it is also designed to protect against flood.

Flood cover by flood re

Most customers in a property at a high risk of flooding will qualify for flood cover via Flood Re – a government initiative designed to lower the cost of insurance for properties in flood risk areas.  The use of Flood Re has no impact on the way we manage your policy, so you’ll still speak with us to make policy changes or to submit a claim. In the event of a valid flood claim, we’ll work directly with Flood Re to make sure your property is restored and put back to normal.

Flood cover by homeprotect

In the event that your property does not qualify for Flood Re then we may still be able to provide flood protection ourselves – although this would likely mean a higher excess would apply in the event of a valid claim.

home insurance excluding flood cover

There may be circumstances where your property doesn’t qualify for Flood Re nor are we able to provide flood protection. In which case, we can still offer home insurance to protect against other insured events (such as fire, storm, escape of water, theft, malicious damage, subsidence, landslip or heave).

Buildings cover

Covers the main structure of your home, including attached garages and conservatories, if you need to rebuild or repair it following an insured loss. Also covers permanent outdoor structures such as driveways, patios and boundary walls. 

up to £1 million

(more cover available if you need it) 

Contents cover

Covering the value of the possessions you could take with you when moving home, such as furniture, clothing, valuables, appliances, fittings, entertainment equipment, gadgets and bikes, following an insured loss. Cover provided on a new for old basis. 

from £25,000

Alternative accommodation

Covers the cost of alternative accommodation for you and your pets, together with reasonable expenses (e.g. travel, food, laundry) if you can’t live in your home (or where you’ve been advised to evacuate) due to an insured loss.

up to £85,000

Home emergency

Covers sudden, unexpected emergencies, such as uncontrollable water leaks, that require immediate corrective action to prevent or limit damage to your home, or make your home secure. Two levels of cover are available, for different types of insured loss.

up to £500

Family legal protection

Covers legal costs following an insured loss. There must be reasonable prospects of winning and the incident must have occurred during the policy term. Two levels of cover are available, for different types of insured loss. 

up to £25,000

Trace and access

Covers the cost of detecting the source of a water or oil leak to your home or outbuildings. Includes reinstating any wall, floor, ceiling, drive, fence or path removed or damaged during the search (up to the claim limit).

up to £10,000

Outbuildings cover

Covers rebuild or repair of your outbuildings (e.g. detached garages, greenhouses, sheds and summerhouses) that are within the boundary or a communal area you’re legally responsible for, if you need to rebuild or repair them following an insured loss.

from £20,000

Liability cover

Covers damages and claimants’ costs and expenses for your legal liability in the event of accidental death, injury or illness to a third party, or damage to property belonging to a third party.

up to £5 million

Personal possessions

Covers items likely to be worn, carried or used by you away from your home (e.g. bags, clothes and sports equipment) in the event of physical damage or theft. Cover provided anywhere in the world.


Gadgets, bikes and valuables away from the home

Cover for electronic gadgets (e.g. mobile phones, laptops, tablets etc), bikes (including electrically assisted bikes), valuables (e.g. watches and jewellery), equipment (e.g. hearing aids) and other expensive or high risk items that you take out of your home.


Accidental damage

Covers sudden, unexpected and unforeseen events around the house (e.g. spillages or breakages) that result in physical damage and which was caused by you, your guests, a third party or wild animals. Two levels of cover are available.


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New Customer?

If you’re deciding on whether to buy home insurance with us, you can use our latest policy booklets as a guide.

Existing Customer?

flood insurance with Flood Re

Homeprotect was one of the first UK home insurance providers to offer flood insurance as part of Flood Re.

Your Questions Answered

There may be exclusions stated in your policy and it’s very important that you read and understand these exclusions. Examples of things that may not be covered are basements and their contents, as well as items such as money, precious metal and important paperwork kept in the house.  

It is worth knowing if you live in a flood risk area in order to make an informed decision about flood risk home insurance and how much cover you need. You can find this information free and instantly online, by entering your property’s postcode into the Government’s flood risk assessment page.  

A full flood risk assessment is only worth paying for if you are thinking of developing your property. If you are entering a planning application for your property and live in a flood risk zone, you need to complete a flood risk assessment as part of your application. These kinds of assessments explore the probability of a flood at a specific location, the possible causes of floods in the area and advice on managing flood risk.  

For homes in England, this can be done instantly and for free simply by entering property’s postcode and house number on the Government’s long term flood risk assessment page which also includes links to flood risk information and maps for Wales, Scotland and Northern Ireland. This tells you how likely it is that the specific location is to flood in the future, and the factors that could cause or contribute to flooding there, as well as where to get information on preparing for a flood and how to sign up for flood warnings.  

The Government portal also provides a map where you can enter your postcode to see a map showing the flood risk from rivers or the sea, or the flood risk from surface water. Use it’s ‘detailed view’ option to see depth, flow speed and flow direction estimates. 

Flood Re is a flood risk home insurance scheme, designed to make flood cover more affordable for UK homeowners which has been in place since 4 April 2016.  

The Flood Re scheme enables insurers to take on more customers at risk of flooding because the consequences of large claims are shared between insurers. This happens behind the scenes, so customers can compare and purchase home insurance as they would normally.  

Visit the Flood Re website for further details.  

  • Properties must be located within the UK mainland.  
  • Properties must have a Council Tax band A to H.  
  • Properties must be built before 1st January 2009. Note: If a property has been demolished and rebuilt before this date, then the new building is still eligible for Flood Re.  
  • Properties must be used for residential purposes.  
  • Properties must have an individual premium.  
  • Leasehold flats with three or less fewer units are eligible.  
  • The policy holder or their immediate family must live in the home for some or all of the time, or the property must be unoccupied.  
  • The insurance contract must be in the name of one or more individuals, not companies.  

You can find the full eligibility criteria on the Flood Re website.  

  • Bed and breakfast premises that are paying business rates.  
  • Contingent buildings policies, such as those held by banks.  
  • Farm outbuildings.  
  • Freeholders/leaseholders deriving commercial income by insuring large numbers of properties for a portfolio.  
  • Housing association’s residential properties.  
  • Multi-use properties under commercial or private ownership.  
  • Residential ‘buy to let’ properties that do not meet the criteria specified above.  
  • Static caravan site owners when they are being used for commercial gain.  
  • In the case of blocks of residential flats, company houses/flats, and social housing contents only can be covered.  

The good news is that the actual transfer of the flood risk element of your policy to Flood Re is done in the background by your insurer. When it comes to working out your eligibility for the scheme, Homeprotect will calculate this for you automatically.  

We want to make this process as hassle-free as possible, so we’ll return an individual quote that is specific to your property and we will identify whether you are eligible for Flood Re in a matter of minutes.

There are several online resources which you can visit to get more information on flood risk in your area, namely:  

  • Flood Free Homes wants all UK houses to be free of risk by 2025.  
  • National Flood Forum provides support and advice to communities or individuals that have been flooded.  
  • Know Your Flood Risk works to raise awareness of the risk of flooding from all sources, not just a visible water course such as rivers and seas.  


This depends on a large number of factors including how widespread the flood was, how severe the damage caused was, and how many properties were affected is the first variable. After a major flood event, insurance companies often take on additional loss adjusters, but even so the time it can take for you to be visited by one can be longer than you’d like.

Cleaning and drying operations can take many weeks or months depending on the availability of services and how greatly your property has been affected, as well as what your home is made of.

Finally, reinstatement works themselves are also time-consuming. The process of choosing replacement furniture, decoration and fitted units (which you may have originally selected over the course of years) takes time, especially if you are working and have little time to shop around, and then you need to wait for delivery and fitting.

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