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Flat roof home insurance

Even if your property has only a small amount of flat roof, it can still be difficult to find comprehensive cover at a reasonable price. That’s why Howden work with specialist insurers, providing building and contents insurance for partial and flat roofs.
Flat roof home insurance

What does flat roof insurance cover?

Your buildings

Your buildings

Protect your buildings against a range of risks, with Howden's flat roof insurance.
Property owners’ liability cover

Property owners’ liability cover

Property owners’ liability cover to protect you against compensation claims raised by third parties that have been injured as a result of the property not being maintained
Expert staff

Expert staff

Howden's dedicated team of non-standard insurance experts will provide a tailored service to find the right cover for your property.

Benefits of Flat Roof Home Insurance with Howden

Specialist policies tailored to your needs

Specialist policies tailored to your needs

Friendly, helpful, expert advisors

Friendly, helpful, expert advisors

8 out of 10 clients renew with Howden each year

8 out of 10 clients renew with Howden each year

Your guide to non-standard home insurance

Still have some questions about non-standard home insurance? Find out more in our guides.

Insuring your property for subsidence

Insuring your property for flood

Telling your insurer about an unoccupied property

How much does unoccupied property insurance cost?

Flat roof insurance: Your questions answered

Not sure whether you need flat roof home insurance? We’ve taken the time to answer some frequently asked questions so you have all the information you need.

What is flat roof home insurance?

With the potential for rain or snow to build up on flat roofs in a way that it wouldn’t on a pitched roof, this increases the risk of damage to your property during bad weather which can sometimes make it difficult to find comprehensive home insurance. Even if your property only has a partial flat roof, you may still find it difficult to find cover.

Flat roof home insurance does exactly what it says on the tin – it provides specialist cover for properties that are at a slightly higher risk of damage due to their flat roofs. Cover can normally be provided for various non-standard construction types, such as:

  • Felt over timber beams
  • Bitumen
  • Metal
  • Concrete
  • Membrane
  • Asphalt
  • PVC / TPO
  • Roof terraces
  • Eco-friendly
  • Sarnafil
What do you need to know for a flat roof home insurance quote?

When you get a quote, it's a good idea to have these key pieces of information ready:

The rebuild value of your property

An accurate rebuild value is one of the most important factors in getting the right quote for your property. Visit the ABI website to use their free rebuild value calculator.

The percentage of the property that has a flat roof

Even just an approximate percentage will help insurers get an accurate quote for your property.

The value of your contents

Do you have any contents inside the property that you need to cover as part of your flat roof home insurance policy?

The security in place at your property

The best insurers be looking for are British standard mortise locks BS3621 or 5 lever lock, also key operated window locks.

Need standard home insurance?

If you don't have specialist requirements, take a look at Howden's range of standard home insurance policies

Find out more about home insurance

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Get a quote with Howden


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