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Flood Risk Insurance

If your home has been flooded in the past some insurers won’t insure you but at Towergate we'll do our best to help you to find cover.

  • Alternative accommodation available if your home is uninhabitable
  • We can arrange cover for properties that others can’t or won’t
  • Optional accidental damage cover available

Don’t have time to call now? Send us your enquiry and we’ll get back to you

Get a quote

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Or speak to an adviser

0344 892 1750
0344 892 1750

Weekdays 9:00am - 5:30pm

What does flood risk home insurance cover?

Alternative accommodation

Having nowhere to live can be a stressful experience but with the policy cover, should your home become uninhabitable you'll be provided with alternative accommodation so you don't have to worry.

Accidental damage cover

We know that accidents happen. As part of your cover, accidental damage for fixed glass, sanitary fixtures and fittings and electrical equipment are also taken care of. That way, your possessions are the least of your worries.

Home emergency cover

When an insured peril like a break-in or burst pipe causes damage to your home, the most important action we can take is to prevent further damage. That’s why our flood risk home insurance policy gives you the option to add a 24-hour contact number for home emergencies, so you can call and have someone carry out repairs or secure the property straight away. Please be aware that if the property is unoccupied for more than 30 days cover will not apply, please contact the team if this is the case.

Contents insurance flood risk areas

Your home holds your life’s possessions so it’s worth having a good think about the total value of the contents you’d like to insure as well as any valuables you might like to cover in addition. Items which are hard to replace like-for-like and more valuable items, should be specified on your policy so it’s best to discuss the details of these with an adviser. We do not cover wear and tear or mechanical breakdown of any of your contents.

Flood Risk Insurance Claims

Experienced claims professionals who are trained to manage property insurance claims are available from Monday to Friday, 8.30am to 5.30pm.

Simply call the number in your policy documents and an adviser will talk you through the details of your claim.

Need to make a claim?

Please call:

0345 074 4760

Available 8.30am-5.30pm, Monday to Friday

Flood Risk Insurance Articles & Guides

We don't just know about home insurance, we also know about homes, read up on a whole host of topics in our hub:

House Price Ratio


House Price Income Ratio

In today’s global economy, the playing field in the international market isn’t exactly level, with house prices being one of the best reflections of the challenges citizens...

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Flood Prevention


A Guide to Flood Prevention for Non Standard Homes

If your home is situated in a flood risk area it may be considered a non-standard home in insurance terms. Last year, The Association of British Insurers (ABI) reported insurers had paid out a total of £1.3 billion following the storms of 2016, showing the impact and extent of flood damage from a financial perspective.

YouTube DIY tools


DIY for the YouTube Generation

A quarter of young adults rely on YouTube for DIY advice but 1 in 5 have to call in experts to fix DIY disasters, costing them £5,000. At double the UK average, is trying to do it yourself costing more than getting in the professionals?

Flood Risk Insurance FAQs

What excess do I have to pay on this policy?

You can choose to add a voluntary excess from £50 to £450. If you go for the higher amount, this will reduce your premium. Certain types of constructions have a higher excess - such as flat-roofed properties. For more information speak to one of our sales advisors on 0344 736 0088.

Can Towergate arrange immediate cover?

This depends on your circumstances and the type of property you want to insure. The quickest way to find out is to speak to one of our advisors on 0344 892 1750.

What do I do if I need to cancel my cover?

You are entitled to a full refund of the premium paid if you find the policy unsuitable for your needs and cancel it within 14 days of receipt of your policy documents (as long as no claims have been made). If you need to cancel your cover you will be charged relevant administration costs for setting up the policy. Please call us or notify us in writing with the reason for cancellation and state the date from which you need cover to cease. Remember, if your policy is in more than one name, all policyholders will need to sign the letter. If you have any other queries please don't hesitate to contact the customer services team on 0344 892 1750.

Would I still be covered for theft under this policy?

Yes. As long as there is forcible entrance into or exit out of your property, you will be covered.

How can I pay for my premium?

You can pay by credit card, debit card or monthly direct debit.

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