Home Insurance for Subsidence
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Subsidence Insurance
Subsidence can have a significant impact on your home, potentially causing structural damage that’s both costly and stressful to repair. If your property is affected by subsidence, having insurance can provide financial protection and help you with repair and rebuild costs.
What does subsidence insurance cover?
Home subsidence insurance is typically included as part of a buildings insurance policy and can help protect your property from risks associated with ground movement.
Subsidence happens when the ground beneath a building, sinks, causing structural damage such as cracks in walls or uneven floors. Heave can also cause similar problems and is often included in this type of cover. This occurs when the ground moves upwards.
Subsidence insurance can help cover the cost of repairing damage to your property’s structure, including foundations, walls, and floors. Depending on the policy, it may also include additional cover options, such as insurance for driveways, outbuildings, and boundary walls. Cover varies by provider, so it’s important to review your policy to understand what’s included.
Our Partners
Intasure works with an established partner to provide flexible insurance options.
Do I need subsidence insurance?
Home subsidence insurance isn’t a legal requirement, but it can be worth considering as part of your home insurance policy. Subsidence can cause significant damage to your property—and the costs to repair these issues can be substantial.
If your property is in an area prone to ground movement or has a history of subsidence, having this cover as part of your buildings insurance can provide extra financial security. Even if your home has no prior issues, subsidence can still happen. Soil changes or moving tree roots could put your home at risk of subsidence, so having insurance can help ensure you’re protected.
What Our Customers Say About Us
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24 Sept 2024
Very easy service to use and no hard…
Very easy service to use and no hard sell which was nice. Good customer service and happy with my encounter. Would use again
Jason T
24 Sept 2024
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29 Aug 2024
Exceptionally fast and efficient…
Exceptionally fast and efficient service from Nikki Hickmott. I was in a hurry to cover my house in France and it was sorted within the hour. Brilliant service.
Katryn
29 Aug 2024
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20 Aug 2024
Ruben Lopes was patient and knowledgeable
Ruben Lopes was patient, calm and extremely polite. Ruben was professional and knowledgeable. He is a wonderful asset for your company.
Karen Reading
20 Aug 2024
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20 Aug 2024
Very thorough quote process
Very thorough quote process, and Julian was very knowledgeable.
JC
20 Aug 2024
How much does subsidence insurance cost?
The cost of subsidence insurance varies depending on your property’s risk. Factors such as the value of your home and any history of subsidence in the area or on your property can influence the premium.
There isn’t a set price for subsidence cover, as it’s typically included alongside other risks within an overall buildings insurance policy. If an insurer can’t offer subsidence cover due to high risk, it won’t usually affect the cost of your premium for other types of cover within the policy. However, make sure you check the terms and conditions of your policy to understand what is and isn’t included.
Why choose Intasure for home insurance with subsidence cover?
At Intasure, we have over 20 years of experience in home insurance, including cover for subsidence. Our UK-based team are on hand to help you find a suitable policy. We’ll provide information on the level and type of cover available, offering you added peace of mind that your property has protection against subsidence-related damage.
Here’s what you can expect from us and our subsidence home insurance policy:
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No additional administration fees are charged in the event of cancellation
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In-house claims team
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We are rated Excellent on Trustpilot
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Alternative accommodation up to £40,000
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Loss of metered water or oil up to £1,000
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Professional fees and debris clearance up to £60,000
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Trace and access up to £5,000
To get an instant quote, fill in our online form or give us a call on 0345 111 0680.
FAQs
Please note that these frequently asked questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.
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What causes subsidence?
Subsidence can be caused by various types of ground movement and building factors, including:
- Clay soil shrinking or expanding
- Tree and shrub roots growing too close to the property
- Leaking drains undermining the foundations
- Structural damage or defects in the building
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What are the signs of subsidence damage?
Signs of subsidence damage can include:
- Cracks in walls, especially around doors and windows
- Tearing wallpaper not caused by dampness
- Doors and windows that no longer close properly
- Diagonal cracks radiating from windows or door frames
- Floors that appear to be sinking
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Do you have to keep your property maintained?
Yes, it’s important to keep your property in good repair and maintain it to a reasonable standard. This can help prevent issues that could lead to subsidence.
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Do you need to declare subsidence on home insurance?
Yes, you must declare any history of subsidence when applying for home insurance. Otherwise, it could void your policy. Insurers may also refuse to pay out if you submit a claim and failed to declare subsidence.
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How do I make a claim?
To register a claim on your property insurance and obtain a claim form, please contact Intasure on 0345 111 0680. Alternatively, you can log a claim online through the Intasure portal.
For optional covers you may have selected, use the following numbers:
- Legal Expenses & Tax Helpline: +44(0)344 770 1040
- Key Cover: +44(0)330 041 8167
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