subsidence insurance from Intelligent Insurance
Specialist Protection for

Subsidence insurance

At Intelligent Insurance, we understand the unique challenges faced by homeowners dealing with subsidence, landslip, or heave. Our specialised home insurance policies are designed to provide comprehensive cover and peace of mind, earning a Defaqto 5-star rating.

Your Home, Covered.

subsidence insurance by intelligent insurance

Insurance for Homes with Subsidence: Tailored Solutions for Your Needs

If your home has a history of subsidence, Intelligent Insurance is here to help. We specialise in arranging home insurance cover for properties that have experienced subsidence or undergone underpinning. Our cover levels are intelligently designed to meet your specific requirements*.

Key Features of our Underpinned House Insurance:

  • Competitive Policies: we offer competitive rates for homes with subsidence
  • Instant Quotes: get an immediate online quote in most cases
  • Excellent Customer Service: Rated Excellent for service by our customers
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Frequently Asked Questions

Subsidence and settlement are both types of ground movement that can affect buildings, but they occur due to different reasons.

Subsidence is the downward movement of the ground supporting the property, often caused by factors such as clay shrinkage, mining activities, or leaking drains. It can lead to structural damage over time. Settlement, on the other hand, is a natural process where a newly built structure’s weight causes the ground beneath to compact.

Settlement typically occurs evenly and soon after construction and, unlike subsidence, is not ongoing or progressive.

Signs of subsidence include new or expanding cracks in walls, especially around doors and windows, or cracks that are thicker than a 10p coin.

Doors and windows sticking for no apparent reason could also indicate subsidence. Properties built on clay soil, areas with a history of mining, or those with large trees and shrubs planted close to the foundation are at higher risk.

Regular property surveys and monitoring can help in early detection.

Subsidence insurance typically covers loss or damage to your property caused by subsidence, heave (upward movement of the ground), or landslip (downward movement of soil on a slope). However, it’s important to read the policy details carefully, as cover can vary between insurers.

Some policies might exclude certain causes or types of movement, so it’s crucial to understand the specifics of your policy and ensure it meets your needs.

Yes, Intelligent Insurance specialises in providing subsidence insurance even for properties with a history of subsidence. We assess each case individually, taking into consideration the property’s history and any preventive measures taken.

A Certificate of Structural Adequacy from previous works can support your application, and our team is here to help you find a policy that suits your needs.

If you suspect subsidence, contact your insurer as soon as possible after the incident. Remember to quote ‘Intelligent Insurance’ when prompted to. You can find your insurer listed clearly on your policy schedule which was included in your email policy welcome pack.
They will be able guide you through the process, starting with a professional assessment of your property.

If subsidence is confirmed, they’ll review your policy coverage and oversee the repair process, ensuring a smooth and supportive experience from start to finish.

To reduce your premiums with Intelligent Insurance, consider mitigating the risk of subsidence by maintaining your property, fixing any leaking pipes promptly, and ensuring proper drainage.

You might also consider increasing your policy excess.

Our team is dedicated to helping you find the most competitive rates and can guide you through your options to ensure you get the right cover at the best possible price.

Yes, we provide contents insurance for properties that have experienced subsidence. Our policies are specifically designed to offer comprehensive protection for the contents of your home, ensuring that your belongings are covered under all circumstances. Whether you’re seeking to bundle this with subsidence-related buildings insurance for a unified solution or prefer a separate policy tailored to your contents alone, we can accommodate your needs. Your home’s safety and your peace of mind are our top priorities, including in situations involving subsidence.

Still have questions? Visit our help centre

Looking for
Subsidence Insurance?

If you’re seeking high-quality subsidence insurance, Intelligent Insurance is your trusted partner. Our experienced team is well-versed in all types of subsidence causes, such as shrinkage, clay soil, plant life, exceptionally dry weather, or escape of water.

During the quotation process, we inquire about a Certificate of Structural Adequacy to assess the current condition and stability of your property’s structure.

Find out more about the Certificate of Structural Adequacy.

Arranging Subsidence Insurance for Your Home

Intelligent Insurance specialises in arranging cover for buildings with a history of ground movement, including landslip and heave.

We evaluate each property individually, considering the circumstances and works undertaken to prevent future movement.

Our goal is to provide tailored cover levels that suit your specific needs, offering protection for both buildings and contents at competitive prices.

Subsidence Home Insurance Summary

Subsidence and other structural movements vary in severity and type. Our professional team is ready to assist with your questions regarding cover for your property. We take into account the type of subsidence, recency, and remedial work carried out to prevent further movement.

Why Choose Intelligent Insurance?

  • History of Subsidence: whether it's a recent occurrence or happened years ago, speak to us
  • Experienced team: our customer support team is here whenever you need assistance
  • Excellent Customer Service: rated Excellent for service by our customers
Subsidence Insurance

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*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.

Home Insurance Specialists names you can trust

Intelligent Insurance | AXA Panel Member
Allianz Insurer
Intelligent Insurance | Pen Underwriting Panel Member
Intelligent Insurance | Arkel Panel Member
Intelligent Insurance | Non-Standard Home Insurance
Intelligent Insurance | Prestige Underwriting Services Panel Member

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For properties that have suffered previous subsidence

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