GET A QUOTE

Subsidence Home Insurance
Find the right cover to suit you.

  • icon checked

    Specialist Cover for Homes With Subsidence Issues.

  • icon checked

    Get Advice and Support on the Coverage You Need.

  • icon checked

    UK-Based Team.

Call Today for Our Best Price
GET INSURED IN THREE EASY STEPS

How it Works

  • Get in touch.

    Click below or call us for a free quote.
  • Talk to our team.

    We'll guide you through policies and prices.
  • Get insured today.

    Pick a policy, and we'll sort everything.

Have a look

Our Accreditations

logo company
logo company
logo company

Overview

Finding home insurance for properties with subsidence can seem like a tall order. Larger insurers often decline coverage for such properties, making it more challenging and costly. 

Luckily, niche insurance is our speciality. At One Sure we never shy away from a challenge. We’ve managed to successfully insure properties that have experienced subsidence in the past. With our expertise and experience, we can get your home insured with the coverage you need.

How does subsidence affect home insurance?

Subsidence can significantly impact home insurance as it is viewed as a high-risk factor due to the potential costs of repairing the damage. 

As a result, coverage for subsidence-related damages may be limited or offered as an optional add-on. Insurers may charge higher premiums, impose a higher excess, require specialised inspections, and a subsidence claim could lead to a loss of no-claims discount.

Rest assured that with our expertise and experience, we’ll guide you through every step towards finding the right insurance for your home. Call our friendly team on 0800 107 0947 for a chat and to get a free property insurance quote today.

How long do you have to declare subsidence for insurance?

The timeframe for declaring subsidence for insurance can vary depending on the insurer and policy. However, in general, it is advisable to disclose any history of subsidence to your insurance provider as soon as possible, even before purchasing a policy. 

Some insurers may require you to declare subsidence within a specific time frame, such as within the past five years. Failing to disclose subsidence could result in coverage issues or claims being denied in the future. 

Get Insured to Ensure Peace of Mind.

Find Quality Cover at an Affordable Price.

Why Choose Us?

Here are just some of the reasons why you should get a quote with us.

  • icon house
    Trusted Panel of Underwriters

    As one of the UK's leading insurance brokers, we specialise in niche insurance policies and will find you the coverage you need.

  • icon house
    Changes to Your Policy

    If you need to change your van insurance policy, our friendly team is only a phone call away and happy to help.

  • icon house
    Hassle-Free Renewals

    Renewals are always simple with us. We’ll compare the policies you need and find the most up-to-date offers to get you the best quote on the market.

  • icon house
    Policies at Affordable Prices

    Our insurance experts will always find you the lowest price possible on the correct cover. However, if you send proof you’ve found a cheaper like-for-like quote in 48 hours? It’s money-back guaranteed.*

bespoke image

*Take out an insurance policy with One-Sure Insurance, and if you find a cheaper Insurance quotation within 48 hours, subject to written proof being received that the Insurance quotation is on a like-for-like basis, we will cancel the Insurance policy and issue you with a full refund.

Frequently Asked Questions

How long do you have to declare subsidence for insurance?

The timeframe for declaring subsidence for insurance can vary depending on the insurer and policy. However, in general, it is advisable to disclose any history of subsidence to your insurance provider as soon as possible, even before purchasing a policy. 

Some insurers may require you to declare subsidence within a specific time frame, such as within the past five years. 

How much does subsidence devalue a property?

The impacts of subsidence on property value can vary. This can depend on the severity of the subsidence, the location of the property, and the extent of the damage.

In general, subsidence can significantly devalue a property, as it raises concerns about the stability and structural integrity of the building. 

The devaluation can range from a minor decrease to a substantial reduction in the property’s market value. Potential buyers may view a property with a history of subsidence as a higher risk, which can result in lower offers and difficulty in selling.

How much does subsidence insurance cost?

The cost of insurance for a home with a history of subsidence can vary depending on the level of damage and the type of policy you need.

As one of the UK’s leading independent insurance brokers, we’re more than happy to guide you through the process of insuring your home.

While we compare policies and search for home insurance quotes, you can relax knowing you’re in safe hands.

To get subsidence home insurance, call us on 0800 107 0947 and get a free quote today.

Insure Your Home Today

Get quality cover today at an affordable price in just minutes. We'll take care of everything from comparing quotes to contents and buildings cover.