home risk calculator

Answer six simple questions and the Homeprotect Home Risk Calculator will show you how likely a property like yours is to experience a range of risks, including flood, fire, theft, subsidence, storm, accidental damage and more.

HOME RISK CALCULATOR

(100% free to use)
Answer six simple questions about your property and we’ll show you the kinds of risks you need to be aware of in your area.

You’ll get some practical actions to protect your home – helping to reduce the risk of needing to make a claim and potentially lowering your insurance premium too.

We’ll use the information you provide to look at the risks for properties like yours in your area, based on the information we have about nearby properties. We may use national average risk data for your property’s risk report if we don’t have specific data for your property’s circumstances.

We made this tool to help you protect your home and belongings by giving you a personalised risk score and tips to lower your risks. A ‘low’ or ‘very low’ risk rating doesn’t mean zero risk, and any actions you take are your choice. This tool provides general guidance only—it’s not financial or insurance advice and won’t impact your policy, premium, or claims.

Developed by our team of UK home insurance specialists, this tool uses data from properties like yours in your postcode. If specific data for your property type isn’t available, the calculator will default to the national average for similar homes.

If you’ve ever searched for answers to questions like “How do I check if my property is at risk of flooding?”, or “How do I check subsidence risk?”, then this is the tool for you.

The tool is completely free to use and only takes a couple of minutes.

Tip: After checking your risk, you can find out more about how to protect your home with our subsidence guide, flood risk home insurance and home insurance pages – or view all our home insurance guides.

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