Flood insurance can cover your home and contents in the event of a flood. Each policy will differ slightly so it’s always recommended to be as accurate as possible in the details you provide and to compare the best options for you.
For buildings insurance, cover can include the removal of debris, drying your home, repairs to structure, repairs to fixtures and fittings and legal expenses.
For contents, furniture, appliances, and even carpets can be covered.
Valuable items will often need to be declared specifically in the insurance policy, as they are with most contents policies. Your policy will usually outline a maximum value and anything exceeding this will need to be declared.
Alternative accommodation in the event of evacuation may also not be covered, so it’s important to check this on the policy you choose. Depending on the risk level in your area, this can have a varying importance.
Different policies will likely have varied terms and conditions that can impact claims. It’s vital to compare your options when considering flood insurance policies to make sure you are getting a good deal without missing out on cover.