Flat roof insurance is essentially home insurance for properties where part or all of the roof is flat. You can expect similar benefits to a standard home insurance policy, but it might be more expensive.
This is because insurers view flat roofs as a higher risk. They’re more likely to be damaged in bad weather and develop leaks. Flat roofs may also make a building less secure, as they’re easier for burglars to move around on.
On average, flat roof home insurance costs more than a standard policy because of the increased risk of making a claim.
| Flat roof percentage | Average annual cost of combined home insurance* |
|---|---|
|
0%
|
£152
|
|
10%
|
£170
|
|
20%
|
£171
|
|
30%
|
£185
|
|
40%
|
£205
|
|
50%
|
£213
|
|
60%
|
£258
|
|
70%
|
£259
|
|
80%
|
£247
|
|
90%
|
£209
|
|
100%
|
£191
|
The price you pay varies depending on factors including:
The usual factors insurers consider for home insurance also apply, such as:
*Average cost of a combined home insurance policy with a flat roof. Confused.com data Jan 2023 - June 2023.
To get a quote you'll need all the same details about you and your home as you would for standard home insurance. But we’ll also need a little bit more information about your roof, including:
You’ll also need to tell us:
As flat roofs are more vulnerable to bad weather than sloping roofs, you should do what you can to protect yours and potentially reduce the cost of your insurance:
You might also want to think about ways of improving your home security:
And don’t forget to compare home insurance quotes to get the best deal for your circumstances.
"If any part of your home, outbuildings or garage has a flat roof, you need to tell us the percentage that’s flat to be able to compare quotes for the cover you need.
If you’re not sure how much of your roof is flat, check the homebuyer survey from when you bought your home or ask a surveyor."
Our collection of UK home insurance statistics for 2023, such as average UK home insurance costs, UK home insurance market share and property insurance claim statistics.
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