Apart from all the heartache and disruption flooding can bring, the cost of putting things right can be huge. It’s important to have insurance cover if you’re at risk of:
Flood insurance – or flood risk insurance as it’s sometimes known – can cover your home and belongings if they’re damaged or destroyed by floods. Flood insurance is usually a standard part of the buildings insurance for your home, but it won’t cover your belongings unless you also have a home contents insurance policy.
If you’re at risk of flooding you should check that your insurance covers the costs of things like:
You should always check the terms and conditions of your policy as limits will apply and some specialist cover may be required.
A flood can be difficult to prepare for – it may strike suddenly and spread quickly. You need as much advance warning as you can get – time is vital for you to take steps to protect your home.
Check a flood map for where you live
Check all the details in your buildings and contents insurance policies that relate to flooding
Other actions that can help you reduce your flood risk
How Halifax can help
Halifax Home Buildings insurance includes protection against flood damage for your home and any structures attached to it. Halifax Home Contents insurance protects your possessions inside your home.
Select the insurance options that are right for you
Choose whether you need buildings, contents or a combined policy. There are two tiers available:
What’s included with Halifax Home Insurance combined building and contents policies?
If your claim is complex we may send a Personal Claims Consultant to help you take stock of the damage caused and help you all the way through the claims process.
What’s not covered?
Items left in the open are not covered for flooding.
Our Home Insurance is underwritten by Lloyds Bank General Insurance Limited
Flood Re – help for those living in high risk areas
In recent years, we’ve seen people in high risk areas struggle to find affordable insurance for their homes. The Government has worked with leading insurers such as Halifax to set up Flood Re, a not-for-profit scheme offering insurance cover for these people.
In high risk areas Flood Re aims to:
We’ve made it easy for you to buy home insurance. Compare our two levels of cover side by side when you get a quote.
Or call for a quote on 0800 085 6844.
Lines open Mon to Fri 8am – 8pm and Sat 8am – 4pm. (Times may vary on public holidays).
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