Subsidence Home Insurance Comparison

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Compare Subsidence Insurance

If your home has been affected by subsidence, then it can prove more difficult than usual to get insurance. However, it is important to protect your property and its contents, and to give yourself peace of mind should anything go wrong. The solution is to get specific subsidence insurance, and we can help you with this.

What is subsidence?

Subsidence is often a term people dread when it comes to their homes. It means that the building has sunk slightly into the ground, and this can cause issues. It can be repaired and any structural damage can be mitigated, but once this has occurred, it will have an impact on your ability to get the property insured, especially at a reasonable price.

How long do you have to declare subsidence for insurance?

You must let your insurer know of any subsidence for the duration your property is insured. Insurers usually keep subsidence claim records for 7 years.

If you’ve had the problem fixed, does the insurer still class the property as subsided?

Yes, even if you have had repairs made and fixed the issue to the best of your ability, the property is still considered to be at higher risk than average. This is because if subsidence has occurred once, then there is a chance that it will happen again. It is also possible that an episode of subsidence has caused some structural damage that is yet to become apparent, and insurers have to take this risk into consideration.

Is it worth claiming for subsidence?

Given the extreme levels of damage that can occur from subsidence it is well worth ensuring you have adequate cover to avoid being left with crippling damage and repair costs.

Can your insurance costs be affected by your neighbours?

Yes, if your neighbour’s property has been subject to subsidence, then your home may be considered to be at increased risk of similar issues. This is dependent on how close they are to you and is unaffected by whether your home has been damaged. Therefore, you could have to pay more even if your property has no history of subsidence.

Will a survey show subsidence?

Homebuyer surveys will usually indicate if a property is at risk of subsidence however further and more in-depth surveys may be needed to verify.

How can you lower the cost of subsidence insurance?

There are some steps that you can take to decrease insurance costs overall, and these will help to make subsidence insurance more affordable.

  • Keep your home occupied: If you live away from your property for longer periods, due to work or extended holidays, then leaving it empty can make insurance premiums higher than usual. Consider asking a friend or family member to live at your home while you’re away, or employ a house sitter.
  • Get a burglar alarm: Getting a professionally fitted and maintained burglar alarm reduces the risk of theft and can help to lower your insurance premiums.
  • Pay annually: Paying for your insurance annually often means getting a discount.
Find cheap subsidence insurance with

If you are keen to get cheap subsidence insurance, then it is a good idea to compare quotes from our wide range of providers. If you give us some basic details, we can help you to compare subsidence insurance. This means that you can get a range of subsidence insurance quotes, and choose the best deal for your building and contents.