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.

Your property & situation

Information you provide won’t impact future insurance quotes or claims, and isn’t shared with any other insurers.

You've entered an incorrect postcode or missed some questions. Please check your postcode, and make sure you have answered every question
What areas of your property would you like to review?

Buildings covers the main structure of your home, including fixtures and fittings, outbuildings and other permanent outdoor structures (e.g. boundary walls) located within the boundary of your property that you’re legally responsible for.

Contents covers your possessions within your property, including household appliances and fittings (i.e. the things you could take with you when moving home).

What property type is it?

If your property is used for multiple purposes select the option which is most relevant to your situation.

How is your property used?

If your property is used for multiple purposes select the option which is most relevant to your situation.

What year was your property built?

Please give the approximate year that the property’s foundations were first built – not subsequent re-builds, renovations or extensions. If you don’t know when the property was built, please check your mortgage valuation or a previous survey. If you are still unsure please enter your best estimate.

How many bedrooms does your property have?

You need to include rooms that were originally designed for sleeping in even if they are now used for other purposes, or rooms that have been adapted or converted for sleeping in e.g. loft conversions.

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.

Why Choose HomeProtect

  • Policies underwritten by AXA Insurance
  • 5 Star Rated by Moneyfacts
  • Rated Excellent on Trustpilot from 20,000+ reviews
  • 24/7 Home Emergency line
  • 24/7 Legal Advice line

Home Insurance Reviews

woman on laptop next to window

Get a home insurance quote online

Get a quote online in less than 10 minutes*