Thousands of flood-prone homes in Somerset will benefit from a new government scheme which starts today.
Flood Re, a not for profit organisation, will help at-risk households get more affordable cover, working with insurers to offer the best deals and keep premiums down.
It's hoped it will mean that, for the first time in years, some high-risk households will have a choice of insurance providers.
Households in the South West could benefit from Flood Re
So far, the firms offering policies backed by Flood Re represent more than half of the home insurance market - with more expected to come on board.
The insurers signed up include:
This should make flood cover more affordable and accessible to those in high flood risk areas over time.
The Association of British Insurers said some companies would be contacting customers directly to tell them about how Flood Re can make a difference.
Consumers can also call their insurers to find out if they can offer new options.
But, the ABI said, there is no need for customers to take any action now if their policy is not due for renewal yet - and they may even find an even greater choice of cover in the coming months.
Flood Re said consumers will not switch overnight in large numbers and full transition may take three years or more.
It is important as many people as possible have access to home insurance so they can get the money and expertise they will need if the worst happens.