Most standard home policies include flood cover, although previous flooding can affect the premium, excess and terms offered.

Preparing before the river rises

• Check official flood-risk information.
• Sign up for flood warnings where available.
• Keep important documents and valuables above likely flood level.
• Plan a safe way out of the property.

If the property has flooded before

• Consider suitable flood-resilience measures.
• Keep a record of improvements made to reduce future damage.

Compare the flood excess and accommodation cover

Look at the flood excess, alternative accommodation, contents limits and any special terms linked to the property's flood history.