What is flood risk home insurance?
Home insurance for flood risk areas generally covers your home and possessions against flooding caused by rivers, lakes, streams and tidal waves. This type of cover protects your home if you live in a flood risk area and can pay the costs of drying out your home, removing debris and repairing your property following a flood.
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
Who can get flood risk home insurance?
If you live in an area deemed to be a high flood risk, or you have been unlucky enough to have experienced a flood at your property in the past, you will probably have experienced problems getting insurance cover.
House insurance for flood risk areas is designed to help those who struggle to get insurance due to a previous history of flooding.
What does flood risk home insurance cover?
As a home insurance broker, we work with multiple insurance companies to ensure you get the best flood risk home insurance policy. Our policies can include:
- Cover is available for all types of properties in flood risk areas, including listed homes
- Buildings and contents insurance available
- Claims hotline with counselling support
- Domestic Assistance Helpline with advice and contact details for tradesmen
- Discounts for alarms and security locks
- Discount when you take out combined buildings and contents cover
- FloodRe enabled policies available
Extra Benefits
Travel Insurance
Flexible Travel Insurance
Whether you’re lounging on the beach or hitting the slopes, having the right travel insurance can mean the difference between the holiday of a lifetime and a financial headache.
Providing up to £5,000 if your trip is cancelled or cut short, up to £15million medical expenses, £250 money and document cover, £2,000 baggage cover, and £2million personal liability insurance, you’ll be fully covered, no matter what happens.
Click find out more to get more information, or speak to a member of our team today to get your quote.
Gadget Insurance
Gadget Insurance
Is there anything more annoying than your mobile phone breaking, or your laptop deciding not to turn on?
Gadgets have virtually become an extra limb in the 21st century, so why wouldn’t you protect your mobile phone, laptop, games console or tablet in the same way you would protect your home or car?
For as little as 49.99 per year, you can have peace of mind that your gadgets are insured, should they be damaged, suffer a mechanical failure or stolen, wherever you are in the world and are covered up to £1,500 per claim without affecting your home insurance no claims bonus. Whatsmore there are no limits on the amount of gadgets on your policy.
Adrian Flux specialists have access to a national network of companies so you can be confident of getting a fast and efficient service, should the worst happen to your gadgets.
Home Emergency Cover
Home Emergency Cover
From leaking pipes to blocked drains, electrical failures to boiler breakdowns, if emergency strikes, having the right insurance can save you time, headaches, and money.
With home emergency insurance from Adrian Flux, you can get your home covered for a wide variety of issues, with tailored cover and flexible payment options, keeping you safe year-round without breaking the bank.
To find out more about our home emergency cover, and all of our home insurance policies, speak to a member of our team today.
Home Keycare
Home Keycare
For just 19.00 a year, we can cover the costs involved with getting back inside your house, whether your keys have been stolen, locked inside your home or vehicle, or lost for 48 hours. We provide you with a fob and can cover all the keys attached to it, including those for your home, car and office.
Our keycare insurance covers the cost of replacing your keys, changing the locks, and hiring a locksmith up to a value of £1,500 per fob per year.
Better yet, there’s no excess to pay; all you have to pay is the annual charge of 19.00.
For more information and to add keycare to your policy, speak to a member of our team today.
Home Legal Protection
Home Legal Protection Insurance
There are 50,000 reasons why home legal protection cover, or family legal protection, is a smart idea.
Home legal protection cover provides peace of mind against the threat of being sued and, in the event that you have to pursue a civil claim, it will provide cover for your legal expenses, up to a certain amount.
Home legal protection provides up to £50,000 indemnity for you and the people that matter to you: the family you live with, your spouse or partner, your parents or parents-in-law, and your children under the age of 21.
There are four main areas of cover: Personal Injury, Your Home, Services & Personal Property and Employment.
Get a Flood Risk Home Insurance Quote
Why choose Adrian Flux’s home insurance for flood risk areas?
We look at every circumstance individually. Our highly-trained staff can investigate the background of each case and are not tied to computer rates or postcode-based exclusions. And as we provide quotes over the phone, we’re able to ask questions that can help you get a policy that better reflects your situation.
For example, if you live at the top of a hill in a flood-prone district, or if a previously flooded property is now protected by improved defences, the rate offered can reflect this reduced risk.
As a result of this case-by-case approach, in most circumstances we can offer a policy in even the most unusual circumstances even where other insurance providers cannot provide a quote.
FAQs
Does home insurance cover flooding?
Flood insurance is normally included as part of your buildings cover, which protects you in the event of damage to the structure of your property. But this doesn’t include your belongings. If you want the contents of your home to be protected against flood damage too, you’ll need contents insurance too.
Does home insurance cover flooding from rain?
Typically, your home insurance policy can cover issues resulting from hail, wind, rain, snow or ice.
Can you get flood insurance on a park home?
Yes you are able to get flood insurance on a park home, but you will need to tell your insurer what type of park home you live in when creating your policy.
Does home insurance cover basement flooding?
Home insurance policies may provide coverage for basement flooding caused by drainage issues, subject to policy terms and conditions. However, to ensure your valuables are protected, it is best to take out a combined home and contents insurance policy.