Flood Risk Home Insurance

Yes. Frontier works with specialist underwriters and can arrange cover for properties that may be located in areas with higher flood exposure. Each property is assessed individually and the terms offered will depend on the overall level of risk.

Flood risk is commonly associated with properties located near rivers, coastal areas, or places that experience surface water flooding. Risk levels can vary significantly even within the same postcode depending on elevation, drainage and local geography.

Many home insurance policies include flood as one of the insured perils, meaning damage caused by flooding may be covered if it results from a sudden and unexpected event. Frontier policies also include flood as a covered peril within the buildings and contents sections, subject to the policy wording and excesses.

Flood risk can be checked using online tools such as the Environment Agency flood map service or the equivalent services available in Scotland and Wales. By entering your postcode you can see potential risk from rivers, coastal flooding and surface water.

The cost depends on factors such as the property location, previous flood history, rebuild value, construction type and the level of cover selected. Properties in higher risk areas may require specialist underwriting and the premium will reflect the overall level of exposure.

Your first priority should always be safety. If it is safe to do so, take steps to prevent further damage and document the damage with photographs before starting any clean-up work. Insurers expect policyholders to take reasonable steps to minimise further loss.

Claims normally require evidence of the damage and details of what was affected. Photographs, videos and receipts for emergency expenses may be requested. For higher-value contents items you may also need to provide proof of ownership such as receipts or valuations.