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House Insurance in Flood Risk Areas

A better way for people who live in areas of significant flood risk to insure their homes.

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About this group

Home, House Insurance in Flood Risk Areas

More than 5.2 million properties in England and Wales are at risk of flooding from surface, groundwater, river or coastal flooding, according to the Environment Agency. And over 200,000 properties are in areas "at significant risk" of floods.

These homes were in danger of becoming uninsurable, but following the launch of Flood Re in April 2016 insurers can now cover high-risk homes with more affordable premiums.

While Flood Re has helped limit rising home insurance costs, people in flood areas still face higher premiums than elsewhere in the UK so we've negotiated an exclusive deal for all Bought By Many members.

We have shopped around on your behalf to source an insurance provider that specialises in flood risk insurance and negotiated cashback for members of this home insurance for flood risk areas group.

The insurance provider we are working with, HomeProtect, is offering policies using Flood Re, so our members can get both the benefits of our cashback deal and the Flood Re savings.

To find out more and to get a quote, join this group.

You can read our in-depth guide to how Flood Re works here.

Sam Gilbert By Sam Gilbert
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188 Members

Current Offer

Money back exclusive – get 10% of your premium back in cash – exclusively for members

We’ve negotiated an exclusive member offer with HomeProtect. We choose to work with them for Flood Risk properties because:

  • Our negotiation means Bought By Many members get 10% cashback on their premium
  • HomeProtect are offering Flood Re policies - these use a government scheme to make flood risk insurance cheaper, saving hundreds of pounds for some
  • HomeProtect have a history of insuring flood risk and other hard-to-insure properties
  • Risk of flood assessed for each individual property (not just by postcode)
  • They can quote online for 97% of all households
  • Policies underwritten by AXA Insurance


  • Note that in some cases HomeProtect will be unable to quote for you online - this can be caused by a number of reasons, including but not limited to:

    • Properties undergoing renovations (anything beyond cosmetic)
    • Properties with subsidence history
    • Those with claims still in progress
    • Those that have had a liability claim
    • Properties offered on Airbnb
    • Coach houses

    However you can still get your Bought By Many member cashback by calling 0330 660 3611 - our dedicated line for this exclusive Bought by Many deal. Please reference “Bought By Many Cashback Offer” when you call.

Home Protect - Flood
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Money back exclusive – get 10% of your premium back in cash – exclusively for members

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Bought By Many Ltd is a company registered in England and Wales with number 7886430. Address: 1-10 Summers Street, London EC1R 5BD. Bought By Many Ltd is authorised and regulated by the Financial Conduct Authority - Register number 652623. This register can be checked for details of our permissions, history and contact details.