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<p> </p><p>The levels of insurance premiums are commercial decisions taken by individual
insurance companies. These will take into account a range of factors and we cannot
guarantee that installing property level protection will reduce premiums. However,
installing property level protection will reduce the level of damage, distress and
disruption associated with flooding for the householder.</p><p> </p><p>The Government
is working with the insurance industry to ensure that affordable cover continues to
be available.</p><p> </p>
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