Your premiums will be based on a number of factors. One of those is how much it would cost to rebuild your bungalow, which might be cheaper than a standard home, because it's only on one storey. But on the other hand, your bungalow could be seen as more of a security risk because it'll be easier for thieves to access one floor than two. You might also be more at risk of flood damage as well as fire damage because all of your belongings will be on one level. All of these things could push the price of your bungalow insurance up. You can limit flood risk and damage but returning to a bungalow after a flood might take longer. That’s because the whole house could be damaged whereas the upper floors of a standard house might be spared. Dormer bungalows with flat roofs might be trickier to insure too - you might need to find a specialist to cover you.