Subsidence home insurance

Subsidence home insurance from our partner’s, A-Plan. For properties with a history of subsidence, heave or landslip, or that are situated in high-risk areas.
Subsidence home insurance

What's covered with subsidence home insurance?

Buildings insurance

Buildings insurance

A-Plan provide buildings protection against a wide variety of risks, specifically for properties that have suffered from subsidence, heave or landslip, or are situated in high-ri
Property owners’ liability

Property owners’ liability

Cover to protect you against compensation claims raised by third parties that have been injured as a result of the property not being maintained, such as a tile falling off the roof and injuring a passer-by or a visitor tripping over a broken stair.
Theft and malicious damage

Theft and malicious damage

Protection against theft, attempted theft and malicious damage – check you policy for full details

Benefits of Listed and Period Property Insurance with Endsleigh’s partners

Specialist policies tailored to your needs

Specialist policies tailored to your needs

Friendly, helpful, expert advisors

Friendly, helpful, expert advisors

8 out of 10 clients renew with A-Plan each year

8 out of 10 clients renew with A-Plan each year

Your guide to subsidence and underpinned property insurance

Useful information on how to secure the insurance you need.

Causes of subsidence

Insuring your property

When might a property become unoccupied?

What to do if your home gets flooded

Read more

What you need to know about subsidence home insurance

Finding the right subsidence home insurance for your property can be a long-winded and complicated process. We’ve taken the time to answer some frequently asked questions so you have all the information you need.

What is subsidence? What causes subsidence?
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Subsidence is caused when a building’s structure starts to slowly sink due to the ground being unstable. There are a number of causes of subsidence, the most common being;

  • Large tree roots
  • Clay soil
  • Escape of water
  • Soil shrinkage (due to changing soil temperatures)
  • Fracking
  • Mining and more.

Heave can also cause issues for properties, which is where the ground swells rather than shrinks, causing similar structural problems.

What are the tell-tale signs of subsidence? How do I check for subsidence?
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The clearest sign of subsidence is the appearance of cracks in your walls – although it’s important to remember that lots of buildings have cracks, so there’s no need to worry about every crack you see. Subsidence cracks can usually be identified due to their sudden appearance around the plasterwork of doorways and windows, and the fact that they’re diagonal.

If you think you may have noticed signs of subsidence, then it’s important to contact your home insurance provider as soon as possible so they can let you know what to do next. In most cases, there is a simple solution to a subsidence problem – such as removing a tree from the front garden or maintaining the drains. In severe cases, your property may require underpinning, which is the process of strengthening the foundation of your home.

How can I avoid subsidence?
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Although there are a few easy things you can do to avoid subsidence – such as maintaining your garden and underground pipes, as well as not planting trees too close to your property – there is no sure-fire way to protect your home from subsidence. If you’re looking to purchase a property, it’s a good idea to check the home buyers report or buildings survey (if you choose to get one) carefully as this will provide details of any history of subsidence or underpinning.

What will I need to get a subsidence home insurance quote?
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There are number of factors that could affect your chances of obtaining home insurance that includes subsidence cover. Most insurers will ask for the following information in order to begin the quotation process: How long ago did your property suffer from subsidence, heave or landslip? What was the cause of the subsidence, heave or landslip? Causes of subsidence could include things like clay shrinkage, mining or a nearby escape of water. How was the problem fixed? Please provide us with details of any underpinning or renovation work on your property as a result of subsidence. Has there been any movement since the problem was fixed? Do you have any documentation (such as a Certificate of Structural Adequacy) to confirm that there have been no problems since? If there was a previous subsidence claim made, how much was this for?

Need standard home insurance?



If you don't have specialist requirements, take a look at A-Plan's range of standard home insurance policies

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