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Subsidence Insurance for Landlords

Get specialist subsidence home insurance for landlords…

Although there are a variety of different providers in the UK that will offer subsidence insurance for landlords, it is important to understand the nature of ‘subsidence’ and the consequences should it affect your property.  A property that is subject to subsidence will eventually become structurally unsafe as its foundations gradually become more and more unstable, which can potentially cause a huge amount of damage.


As a landlord, subsidence insurance is your responsibility as it invariably involves the structure of the property and its permanent fixtures such as the piping system. Because it is unlikely that an insurance provider will offer you a home insurance quote while a subsidence problem is ongoing, taking out a policy is only ever going to be a precautionary measure at best.

 

This does not mean that you can’t make an informed decision as to whether you are likely to encounter the problem using some of the tips outlined below.


If you are a landlord needing subsidence insurance, our simple product comparison tables will allow you to compare policies and begin getting home insurance quotes today.

The damage that is caused by subsidence can be huge, and it is therefore important to consider the common causes that can often trigger the problems:

 

  • A lack of moisture in the ground can be enough to destabilise the ground beneath the property, this problem is often caused by a large number of tree roots
  • Houses located near former mining areas may also be at risk due to a shift in the ground underneath the property
  • Houses that are built over concentrated clay areas may also be at risk, as the ground can become unstable over a period of time


As a landlord if any of the following circumstances apply, you may wish consider applying for a suitable subsidence insurance policy. However, it should be remembered that many insurers will often refuse to cover properties that are already affected, and careful consideration should be taken while assessing a property.


For landlords, subsidence insurance may be urgently required if any of the following problems are noticed within a property. Including:

 

  • Bulges or crack appearing in the walls of the property
  • Warped or cracked wallpaper
  • If doors or windows begin to move unusually, or do not shut as they should


Although it can be difficult to obtain in many circumstances, subsidence insurance for landlords should be considered as a necessary precaution  in order to minimise the risk of an expensive pay out in the future. Take a look at the tables and click on some links to begin getting home insurance quotes right now.

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ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
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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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*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.