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Subsidence House Insurance

For owners of properties located in areas at moderate and high risk of subsidence, and those who have already suffered from subsidence, Adrian Flux Home is one of only a few insurance brokers offering a full range of insurance policies for this risk.

Existing customers please call:
Existing customers please call:

What is subsidence house insurance?

Depending on your level of cover, subsidence house insurance could meet the cost of investigating the cause of the subsidence, monitoring it, fixing it, stabilising the building and repairing any damage. It could also include the cost of alternative accommodation in the event your home is deemed uninhabitable while subsidence problems are being addressed.

Get a Subsidence House Insurance Quote

Why choose subsidence insurance with Adrian Flux?

Our subsidence insurance cover includes all the features you need and expect from a high quality insurance policy. Our policies can also provide:

  • Full cover for properties within any subsidence area
  • Substantial discounts for those who take combined buildings and contents cover
  • Claims hotline with counselling support
  • Domestic Assistance Helpline with advice and contact details for tradesmen
  • Discounts for alarms and security locks
  • Easy payment by credit card or direct debit

Over 81% of customers who got an online quote could have saved money if they’d called us instead.

How much is subsidence house insurance?

Subsidence house insurance costs vary depending on a number of factors, but, as a specialist insurance broker, we’re often able to find suitable insurance deals where others cannot. Factors include:

  • The type of cover you take out
  • The reinstatement value of your property
  • Your property’s location
  • The level of subsidence risk

What do Adrian Flux customers say?

“We knew that, having had a subsidence claim in 2009, we might have problems finding competitive insurance for our home – or even any cover at all. But Adrian Flux gave us a competitive quote without any problems at all, albeit with an increased subsidence excess.”
Mr P, B49

Get a Subsidence House Insurance Quote


Signs of subsidence may include cracks in the walls, ceilings and around windows or door frames. If you notice this sort of damage you should call in an expert to investigate the problem.

You must tell your insurer about any subsidence for as long as you’re insuring that property – there’s no time limit after which you do not have to declare subsidence. Failure to declare subsidence could invalidate your policy.

Your home insurance policy usually covers you for damage caused to the structure of your property and outbuildings by subsidence. If your home has already suffered subsidence or it is located in an area at high risk of subsidence, you must notify your insurer.

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