We define a 'home' as a residential property with a Council Tax Band that you or your immediate family live in for all or some of the time. We define a 'business' as a commercial property on which business rates are paid.
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Flood Re helps people to insure their own homes. We don’t accept commercial properties, business properties, or properties that are rented out to non-immediate family members.
Click here to find out more about insuring a mixed-use property that’s also your home.
Click here to find out more about insuring a holiday home.
Flood Re covers homes that are in England, Wales, Scotland or Northern Ireland. It doesn’t cover properties in the Channel Islands or the Isle of Man.
Flood Re only covers homes that were built and had a Council Tax Band prior to 2009.
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For more details, see the guide to buying insurance. You may also like to review the full eligibility criteria.
For more details, see our guide to buying insurance. You may also like to review the full eligibility criteria.
As you live in a Flat, you should check if you’re responsible for insuring the structure before buying insurance.
Some blocks with up to three flats may qualify for Flood Re; please review the full eligibility criteria.
For more details, see the guide to buying insurance.
It must have been at a licensed caravan site and had a Council Tax Band prior to 2009, as well as be occupied by you or your immediate family as your only or main home.