subsidence insurance from Intelligent Insurance

Subsidence Home Insurance

In most cases, standard insurance providers will not offer cover for houses with a history of subsidence.

We are able to arrange specialist buildings and contents cover for the causes of ground movement at your property. Some of the problems associated with subsidence include tree root damage, broken drains, and ground heave.

  • Specialist Provider - helping you get the right home insurance
  • Previous subsidence, heave, or underpinned properties
  • Competitive prices - compare quotes from a panel of UK insurers
  • Set your cover up online - quick and easy
Get a Quote

You may have had your property underpinned or experienced subsidence issues some time ago. Whatever your situation, we specialise in providing home insurance cover for properties that have experienced subsidence.

Let us get the right policy for you. Our online quote service is quick and easy – most customers can get cover in less than ten minutes, and we have a panel of UK insurers for you to compare quotes.

If you prefer to speak to one of our specialist team about home insurance where subsidence has occurred, heave insurance or need insurance for houses that have been underpinned, call us on 0333 311 0390

Get a Quote

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Tailored Specialist Insurance

An Intelligent approach to Subsidence Insurance

Intelligent Insurance approaches Subsidence 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 £5,00
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

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