Affordable insurance is becoming harder to find, according to the AA British Insurance Premium Index.
Since the summer floods, the average premium has risen by three per cent, while the average of the three lowest premiums investigated by the AA rose by 5.79 per cent.
Meanwhile, for contents insurance the figures were 2.29 per cent and 0.82 per cent respectively.
While the increase in buildings insurance costs is greater, it is worth remembering that the product covers the cost of rebuilding a house, rather than buying a new one.
The level of insurance which must be arranged is thus typically less than many consumers expect.
Among the policies which cover many of the main issues relating to flooding is MORE TH>N's building insurance policy.
In addition to the emergency accommodation funding offered by this package, flooding due to a leaking or burst pipe is also covered as standard.
Meanwhile, building insurance from Halifax has no upper limit on the value of the property covered and carries a five per cent discount if contents insurance is also arranged.
And residents north of the border could also benefit from the Halifax policy by obtaining it through the Bank of Scotland, which promises a 35 per cent discount on transactions completed online.
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