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What is Subsidence Insurance?

Subsidence insurance is a type of insurance policy that covers the cost of repairing damage to a property caused by subsidence. Subsidence is the downward movement of the ground beneath a property, which can cause cracks in the foundation and walls. This type of insurance can help protect the value of your property and ensure that you can make repairs if necessary.

Why should you consider subsidence insurance?

  • If you have previously experienced subsidence, heave, or landslip at the property.
  • If you are categorised as living in a subsidence area.
  • If your property was previously underpinned.
  • Your property is showing signs of historical movement in a surveyor’s report.
  • Historical buildings showing signs of movement.

Most popular policy benefits:

  • Comprehensive Cover for your Buildings and contents.
  • If the subsidence and remedial work was carried out over 10 years ago, our insurers will be happy to cover with no additional terms
  • Third-party Liability up to £10 million.
  • Expert Underwriters who specialise in Subsidence related issues.
  • Monthly payment options.

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What information can you provide to help us with your Subsidence Home Insurance?


When did the Subsidence, Landslip and Heave occur?


What were the causes? e.g. Clay shrinkage, Tree root ingress…


Were any claims made? If so, what amount was claimed for?


How was the problem fixed? Please provide any information on the repair works undertaken at your property.

Why choose Stanhope for your subsidence insurance?

Stanhope is part of Stanhope Cooper, an award-winning, family-run business, based in London and Hampshire. Stanhope is a leading provider of niche and specialist insurance to the UK home insurance market, voted as High Net Worth Insurance Broker of the Year 2018 at the UK Broker Awards (Insurance Age). We focus on providing solutions that fit outside the standard UK home insurance norms, including high value home and home contents insurance. 

We provide customers with a bespoke insurance solution that fits their unique insurance needs. Our expert team is dedicated to providing exceptional levels of customer service and want all our customers to know that they have the right policy in place at the right price, for their specific set of circumstances.

Subsidence FAQs

My property has subsidence, can you help?

If your property has subsidence, underpinning or is an area with a history of the movement, then you will be aware of how difficult it is to obtain comprehensive insurance cover. Our team can provide you with wide-ranging subsidence cover for your home from our panel of insurers.