If your house has a flat roof it can be harder to find an affordable home insurance policy.

Insurers may not cover your property if it has a flat roof because there is a higher risk of weather damage and theft.

This comparison only includes insurance companies and brokers that can cover properties with flat roofs.

How much of your roof is flat?

When you get a quote you need to know how much of your home's roof is flat. Many insurers will ask you to choose between:

  • None

  • Up to 25%

  • 25% to 50%

  • More than 50%

Some insurers will not offer you cover if more than 25% of the roof is flat. Your policy may not pay out if you give the wrong information, so work it out accurately.

How to work it out

You can find out how much of your roof is flat by:

  • Checking your homebuyer's survey: This should give the measurements of your roof so you can work out how much is flat.

  • Looking at Google Earth: This could show you an aerial view of your property so you can see how much of your roof is flat.

  • Asking a builder or surveyor: This may come at a cost, but they should be able to give you an accurate measurement of how much of your roof is flat.

Get the right cover for your home

After you have found policies that can cover your flat roof, think about:

Find a policy that offers enough protection to replace all your contents and covers the rebuild value of your home. Find out how to work out how much cover you need here.

Flat roof home insurance FAQs

Q

Why do some insurers not cover flat roof properties?

A

There is a higher risk of damage, for example the lack of drainage can lead to leaks. They can also offer burglars easy access to your home.

Q

Will I have to pay more for flat roof insurance?

A

Yes, because there is more chance of your property suffering damage or theft, so insurers charge more to cover the cost of these claims.

Q

Do I need to maintain my flat roof to keep my policy valid?

A

Yes, most insurers insist your roof is inspected by a certified roofer every few years. You may also need to relay your roof every 10 years.

Q

How do I work out the rebuild value of my home?

A

You could pay a chartered surveyor to give you an accurate value, or use the free Association of British Insurers (ABI) rebuild calculator for an estimate.

About our home insurance comparison

Q

Who do we include in this comparison?

A

We include flat roof insurance available from our panel of insurers and brokers. They are all regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.

Q

How do we make money from our comparison?

A

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.