Flood insurance is often not included in your normal home insurance. Many people find that they do not have adequate flood cover along with their buildings cover and content cover. One of the main reasons is that people choose insurance policies based on premium price without checking exclusions and coverage. Whether you live in a flood risk area or are considering buying property at risk of flooding, then you need to be concerned about getting adequate flood coverage.

Many insurers offer specialist flood insurance that will give you the peace of mind you need to know your home is covered. If you’re not sure whether your home is at risk of flooding, you can check the flood maps on the UK Environment Agency website.

If you live in a zone that is at low or moderate flood risk, it’s unlikely to affect your insurance premiums too much. But if you are in a zone with a significant flood risk, you could have difficulty finding affordable cover.

However, obtaining flood insurance cover is very important if you live where there is a risk because even minor flood damage can cost thousands of pounds to repair. If you are unsure where to start with understanding flood cover options when making a home insurance comparison, you can contact the National Flood Forum, an independent organization, at 01299 403055 or on their website.