IF you are worried about flooding at your property then you should investigate flood risk insurance designed to protect you from the worst the weather can throw at you. This is how to get it at the right price because there are lots of ways you can pay over the odds if you are not careful.
You will need flood risk insurance if you live in an at risk postcode according to the Environment Agency. You will need it if you have flooded previously and made a claim. In other cases the chances are you will not need it and can get away with standard home insurance but just be careful ? make sure that you have cover in the event of flood anyway as it can happen, literally, in a flash.
To get the right price insurance you need to compare the specialist flood insurance providers. That is easy thanks to The Property Insurer which takes three of the very best providers in the UK with a long history of providing excellent cover and prices and forces them to compete for your business.
You fill in a quick and easy web form that takes less than two-minutes. It is top-level information only because the insurers need to speak to you on this sort of specialist risk. They will call you, normally within 10-30-minutes of you submitting the quote. They will then ask you a series of questions to determine the real risk and give you a price.
Once you have at least two of the prices, you will be able to compare and buy with some confidence that you are not being ripped off. And because they know they are competing for your business you are not likely to get a better price anywhere else, it is that simple.
Now a couple of things to note: do not confuse the flood insurance price with a normal house insurance quote. These are two different prices because they insure different things. If you buy the wrong insurance then you will not be covered in the event of a flood. Or a standard home quote may be cheaper but if the excess is ?10,000 and not ?100, then again in the event of a claim you will be massively out of pocket.
My advice is don?t waste your time on the big brand name insurers and price comparison sites, they are not interested in flood risk insurance because there isn?t enough demand in the UK. They just want fast and easy profits from standard home insurance, all automated and working easily.
Hope this helps!
Jason McClean
The Property Insurer
Published Date: 19th March 2013Category: General
Source: http://www.thepropertyinsurer.co.uk/blog/general/flood-risk-insurance-price/
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