Subsidence Insurance for Buildings

Get specialist subsidence home insurance for buildings…

Subsidence is one of those problems that as well as being hard to spot, can quickly balloon into a time consuming and potentially expensive predicament. Taking out subsidence insurance for any building that you own could save you from having to feel the full of impact of any repairs resulting from subsidence.


Many insurance companies will not give out a stand alone subsidence insurance policy but will include it was a feature of their quotes for home insurance and buildings cover.


The product comparison tables below are designed to make the job of comparing the fine details of individual home insurance policies quick and straightforward. To begin comparing home insurance quotes and finding out which deals suit your needs, simply click on the links below.

What is subsidence?


Subsidence is the effect of the ground that your property is built on, usually if it is clay, shrinking or expanding due to environmental conditions. This will mean that the foundations are rising or falling, which places a large amount of pressure on certain points of the structure.


Taking out subsidence insurance on a building will mean that cost of readjusting the foundations falls to your insurer rather than yourself.


You can spot subsidence by looking out cracks that appear in the walls of you house. Other signs are doors and windows jamming and an effect known as rippling wallpaper which is not caused by damp.


The risk of subsidence can be reduced by:

  • Making sure that pipe systems are maintained
  • Not planting trees in close proximity to your property as they will take a significant amount of water out of the ground


Subsidence insurance


A building that is suffering, or has suffered from, subsidence will be harder to insure because of the inherent risk of having to pay for large scale repairs.


Many insurance companies will be willing to offer you home insurance quote with subsidence cover included, although you may well be declined a new policy if you have made a claim for subsidence in the last year.

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.

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£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

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£500,000£60,000

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.

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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)

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VariesVaries

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

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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.