That sinking feeling doesn't have to mean going uninsured.
Subsidence is a serious issue, and many standard insurers are wary of covering homes with a history of it. We're an independent broker who searches the whole market to find cover that others won't offer.
What a subsidence policy covers
Cover is designed around the specific risks subsidence brings, not just general building damage.
Structural repair
The cost of repairing structural damage caused by subsidence, from foundation work to cracked walls.
Contents replacement
Replacement costs for possessions lost or damaged as a result of subsidence-related structural movement.
Alternative accommodation
If the damage is severe enough to make your home uninhabitable, cover for temporary accommodation until repairs are complete.
Already have a history of subsidence and been declined before? Talk to us first.
Get a Subsidence Home Insurance QuoteWhat causes subsidence?
Whether it's caused by human activity or naturally occurring processes, subsidence is a serious issue that requires specialist cover.
Clay soil shrinkage
Clay-rich ground shrinks and cracks in dry weather, causing foundations to move unevenly.
Disused mines & excavations
Historic mining or excavation work beneath a property can leave voids that settle over time.
Ground vibration
Ongoing vibration from sources such as nearby train lines can gradually disturb the ground.
Tree roots
Roots draw water from the surrounding soil, causing it to shrink and destabilise foundations nearby.
Escaped water
Leaking or damaged pipes can wash away or soften the ground supporting a building's foundations.
Whole-of-market access, when others say no
Independent broker
We're not tied to any one insurer, so we can search widely for cover that suits your specific circumstances.
Whole of market
We approach the entire open market rather than a limited panel, giving you access more insurers won't offer directly.
Competitive pricing
Strong insurer relationships let us work to bring the cost of your premium down without compromising on cover.
Why do some insurers refuse to cover homes with subsidence?
Due to the many associated risks, many insurers are wary of covering homes at risk of, or with a history of, subsidence. Sourcing suitable cover at a competitive price requires specialist knowledge of this market and strong insurer relationships — which is exactly where our specialist brokers can help.
See our full range of home insurance cover →Don't let your property slip through the cracks.
A quote for a home with subsidence usually takes one short online form or call.
Get a Subsidence Home Insurance Quote
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