This website uses cookies to improve user experience. By using our website you consent to all cookies in accordance with our Cookie Policy. Read more

Subsidence Insurance Definition

Get specialist subsidence home insurance…

In a nutshell the definition of subsidence insurance is that it will provide with cover for damage caused to a property you own by the downward movement of the earth underneath the foundations.

In laymen’s terms subsidence is a situation in which your house begins to sink. Many insurance companies will offer you subsidence insurance as part of an overall home insurance quote, but there are a few key points to establish first.

Subsidence insurance by definition can only be taken out before the process of subsidence actually begins, so it can only really ever by a precautionary measure. Most insurance companies will be weary of offering insurance to a house that has a history of subsidence problems, and many will reject any applications for properties that have made a claim in the last year.

This is because subsidence can result in large amounts of structural damage to a property that requires expensive and long term repairs. This will in turn lead to other costs such as alternative accommodation or loss of rent for landlords.

Getting a home insurance quotes with subsidence insurance included is as simple as taking a few minutes to glance over the tables below, picking out your favourites and clicking on the links.

You can look at practical methods to limiting the chance of subsidence by looking at the two main causes of it:


  • Over two thirds of all subsidence insurance claims are due to trees planted in clay soils too close to the foundations of the house, so ensuring that there are no trees too close to your property will be a good start
  • The majority of the remaining third of claims are due to leaking drains, water mains and pipes so regular checks and maintenance of these features is important too

Our quick subsidence insurance definition should end with a check list of tell tale signs that you may have a subsidence problem are:


  • Cracks in the walls
  • Doors and windows that inexplicably start to jam
  • Rippling wallpaper

The best way to get a great deal on cover is too compare a number of different buildings and home insurance quotes.

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

5 Star home insurance from just £99
10% of all customers buying home buildings and contents insurance with us from June 2017 to August 2017 paid £99 or less (Source: Aviva). The price you pay will depend upon individual circumstances, cover chosen and payment method selected.

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 >

Five star rated Platinum Home Insurance.
(Moneyfacts Home Insurance 2018). Choose from three levels of cover, covering some or all of: home emergency, boiler cover, family legal protection, accidental damage on both buildings and contents, personal possessions, bicycles, matching items, trace and access. Plus add optional extras. 24-hour Emergency Helpline

Get Quotes >


UK's number 1 rated home insurance provider. We compare policies from leading providers as well as our own to find you the right cover. Prices fixed for 2 years

Get Quotes >

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

Get Quotes >

5 Star Defaqto award-winning insurer.
Pay monthly at no extra cost (0% APR Representative). Low excess of just £45 (apart from escaping water and subsidence). No hidden admin fees. 'New for old' cover. Age UK Home Insurance is administered by Ageas Retail Limited and provided by a limited panel of insurers.

Get Quotes >


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 >

Get quotes from over 65 trusted home insurance brands in minutes. 20% of consumers could achieve a saving of £158 with (based on independent research by Consumer Intelligence during 1 October to 31 October 2016)

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.