Subsidence Home Insurance

Subsidence can cause serious damage to a property and cost a large amount of money to fix. For property owners who are worried about subsidence, home insurance is an obvious way of mitigating the risks.

Subsidence will be covered by many home insurance polices but the details of these policies will tend to differ form provider to provider. People should look at a number of different home insurance quotes to make sure that the cover suit their needs. Use the table below to get quotes for subsidence home insurance.

Subsidence Insurance Quotes
Insurance BrokerSpecialist InsuranceGet Quotes
Get quotes from one of the UK's specialist subsidence insurance providers who can deal with any form of structural movement. They understand what you been through, the remedial work and will not simply load the premium because of your history - the repair works and how they will protect you in the future will be taken into account.More Info >
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Compare - Latest Home Insurance Deals
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

40% no claim discount if you have been claim free for five years or more

Smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum premiums apply.

Get Quotes >
£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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£1,000,000£150,000

Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline, 12-month guarantee on repairs

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Unlimited£100,000

Up to 20% Online Introductory discount for new customers.

(See terms and conditions)

Get Quotes >
UnlimitedUnlimited*

Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

Get Quotes >
VariesVaries

Get quotes from over 65 home insurance brands in minutes, 25% of customers save up to £127.23, compare up to 30 policy features at once

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

Compare - Latest Home Insurance Deals
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

40% no claim discount if you have been claim free for five years or more

Smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum premiums apply.

Get Quotes >
£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

Get Quotes >
£1,000,000£150,000

Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline, 12-month guarantee on repairs

Get Quotes >
Unlimited£100,000

Up to 20% Online Introductory discount for new customers.

(See terms and conditions)

Get Quotes >
UnlimitedUnlimited*

Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

Get Quotes >
VariesVaries

Get quotes from over 65 home insurance brands in minutes, 25% of customers save up to £127.23, compare up to 30 policy features at once

Get Quotes >

*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

Subsidence occurs when the foundations of a property begin to sink lower into the ground. Most of the causes are natural such as the type of soil a house is built on or the surrounding vegetation, but some man made factors such as persistently leaking drains can also be a cause.

If you have subsidence at home your insurance company should be able to help, if you have taken out buildings cover.
The majority of policies will provide cover up to a pre-determined amount. Some providers will provide money for alternative accommodation.

It is important to note that unless an individual has taken out a policy that provides garden cover, damage to things such as garden walls or ponds may not be included within the cover.

After being informed of the subsidence, the home insurance provider will most likely send someone to assess the damage.