underpinned house insurance by Intelligent Insurance
High quality cover for Underpinned Properties

Underpinned house insurance

If your property is underpinned, chances are you’ll need a specialist insurance policy that takes the underpinning into account. In most cases, Intelligent Insurance can arrange competitive quotes for underpinned house insurance, based on the property’s circumstances and history*.

As specialists in this field, you can trust that you are getting quality cover at a competitive price.

non-standard insurance

An Intelligent Approach to Underpinning Insurance

Whatever the cause for underpinning, be it subsidence, landslip, or heave, the circumstances and the percentage of the property underpinned are going to be different for every home. That is why we take a practical view of underpinning insurance, finding out the precise conditions at play and the actual risks involved before quoting.

Key Features Include:

  • Underpinned house insurance with cover levels tailored to your requirements
  • High levels of cover as standard
  • Professional team to help with your questions
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Frequently Asked Questions

Underpinned house insurance is a specialised policy designed for properties that have undergone underpinning or foundation reinforcement.

It’s essential because standard home insurance may not adequately cover the unique risks associated with such properties.

Getting a quote is easy. You can request an immediate online quote in most cases by providing information about your property’s history and condition.

Several factors influence the cost, including the extent of underpinning, the history of movement or subsidence, and the location of your property. We tailor our quotes to your specific requirements.

Having a Certificate of Structural Adequacy can help assess the current condition and stability of your property’s structure. It’s beneficial during the quotation process.

Absolutely. We offer contents insurance for properties that have been underpinned. Our cover is designed to protect the valuables within your home, tailored to meet the needs of underpinned properties. You have the flexibility to combine this with your buildings insurance for convenience or opt for a standalone policy, depending on your preferences. Regardless of the reason for the underpinning, your home’s contents can be fully insured, ensuring peace of mind

We offer high levels of cover tailored to your needs and have a professional team ready to assist you with any questions or concerns.

Tailored Specialist Underpinned Property Insurance

An Intelligent approach to underpinned property insurance

Intelligent Insurance approaches underpinned house cover with a smart, personalised touch. Understanding that each property and homeowner’s circumstances are unique, we tailor our policies to your needs.

This intelligent approach ensures that whether your home is a standard build, a listed property, or has unique characteristics, your insurance coverage is as individual as your home.

We’re committed to providing protection that adapts to your specific needs, offering peace of mind and comprehensive cover for both buildings & contents.

What we provide

Buildings cover up to £1,000,000
To repair or rebuild your home, as standard by Defaqto, an independent financial research company
Contents Insurance up to £100,000
New for old cover for belongings kept in your home
Alternative accommodation
Temporary accommodation in the event your home is uninhabitable
Replacement locks and keys
For lost or stolen keys
Trace and access cover up to £5,000
Replacement and repair to any parts of the building that are removed when tracing escape of water
Family Legal Protection up to £25,000
Cover for legal expenses (whether prosecuting or defending). There is a £100 excess.
Home Emergency Cover up to £250 per call-out
24 hour immediate assistance from a professional electrician, plumber or other specialist following certain emergencies in the home included as standard.

What isn't included?

We don’t cover loss or damage
  • Caused by wear, tear or gradual deterioration
  • That occurred before the policy started
  • Caused by vermin, insects, pets
  • Caused by dishonest, wilful or deliberate acts
  • Arising from leaks from swimming pools, fixed hot tubs, jacuzzies, fixed spas
Cover restrictions
  • you are only covered up to the maximum claims limits shown on your schedule
  • you are responsible for any excesses stated in your policy
  • any exclusions or restrictions shown by endorsement in your schedule

Looking for extra protection? Upgrade your cover

  • Family Legal Protection Plus

    Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.

    Optional
  • Home Emergency Plus

    Enjoy complete protection with extended emergency callout cover with up to £1,000 per callout, £1,000 Total Claims Limit/Year, Boiler & Heating System cover & Alternative Accommodation

    Optional
  • Accidental Damage

    Cover for accidental breakages or damage to your buildings e.g: putting your foot through the ceiling, or accidental breakage of glass

    Optional

Still have questions? Visit our help centre

Benefits of Underpinned Home Insurance

We understand that underpinning is a sensible preventative measure where a property has experienced movement or is in an area prone to subsidence. Whether you require buildings or contents cover, we are happy to discuss your individual requirements and are not put off by underpinning. We consider every property individually, taking into account the history of movement/subsidence and measures taken to prevent further movement and damage.

During your quotation, where the property has been underpinned we will ask whether a Certificate of Structural Adequacy is available, which helps us to assess the current condition and stability of the structure of your property.

Get the Right Underpinned House Insurance

The circumstances of each underpinned property are different; how long ago your property was underpinned, to what extent, and whether you’ve experienced any movement or subsidence since all need to be considered. Our team is on-hand to help you with your questions relating to home insurance cover for your underpinned property.

Speak to us today via our live chat or simply call us on: 03333 11 11 10

  • Competitive prices for underpinning insurance
  • Immediate online quotes in most cases
  • Rated Excellent for customer service
  • Underpinning Insurance with Cover Tailored to You
Underpinned House Insurance

Get an online quote for your Underpinned House Insurance, tailored to your needs

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Speak to a member of our team

For help with your quote, use our online chat to speak with a member of our team

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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

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

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