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Subsidence Insurance

Buildings insurance for homes with subsidence

  • Can cover both listed and timber-framed properties
  • Subsidence insurance for underpinned properties
  • UK-based support
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If you need additional assistance arranging your insurance, find out how our teams can support

One of the UK's leading independent insurance brokers

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Overall service rating 4.6 / 5

Based on 4252 customer reviews

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Why choose subsidence insurance with Towergate?


Dedicated subsidence claims team

Our dedicated claims professionals are available from Monday to Friday, 8.30am to 5.30pm with the exception of bank holidays.


Specialist team

If you have any questions about our policy or need to make a change, our friendly customer service team is available Monday to Friday, 9am to 5:30pm.

Direct Debit

Pay for subsidence insurance in instalments

You can use Direct Debit to spread your insurance cost.


Cover for homes with previous subsidence or underpinning

We aim to cover your home even if you've previously suffered from subsidence, or your home has been underpinned.

About subsidence insurance

Accidental Damage

Contents cover for subsidence properties

We can cover your contents whilst in transit, we cover your money and credit cards (limits apply), we even cover valuables such as jewellery and electrical items. We'll also extend your contents limit over Christmas and weddings to accommodate the extra belongings likely to be in your home.


Properties up for sale

Most mortgage providers require insurance to be in place before completion. Although we can’t transfer the policy to the new owner, we can consider the risk for the new owner, if you share your documentation.


Home assistance option for subsidence properties

You’ll be covered for someone to visit your property to try to fix the damage or at the very least, limit any further damage.


Alternative accommodation cover

If your home becomes uninhabitable, you’ll have cover in place towards the cost of staying somewhere else.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 01708 777 710 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Subsidence insurance FAQs

You are entitled to a full refund of the premium paid if you find the policy unsuitable for your needs and cancel it within 14 days of receipt of your policy documents (as long as no claims have been made).

If you need to cancel your cover you will be charged relevant administration costs for setting up the policy. Please call us or notify us in writing with the reason for cancellation and state the date from which you need cover to cease.

Remember, if your policy is in more than one name, all policyholders will need to sign the letter. If you have any other queries please don't hesitate to contact the customer services team on 0344 892 1750.

Yes. We can cover for both of these situations.

You must take all reasonable steps to prevent accidents, loss or damage and must maintain the property insured in sound condition and good repair.

If you have a flat roof, a professional builder or roofer will need to visit your property every 8 years to inspect it and any necessary repairs should be carried out.

Yes. As long as there is forcible entrance into or exit out of your property, you will be covered.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

You can pay by debit card, credit card or monthly direct debit.

To help you spread the cost of your premiums, we offer a quick and easy direct debit instalment scheme for spreading payment over ten months, through our preferred provider, Premium Credit Limited (PCL). Please visit our dedicated instalment Direct Debit page to find out more.

A variety of payment options are available and the interest transaction charge and annual percentage rate (APR%) vary according to the amount of the premium, the number of monthly instalments and type of premium finance scheme selected. We will give you full details of the additional amount payable, instalment amounts, number of instalments and APR when you ask us for a quotation.

Read more FAQs

Subsidence insurance articles and guides

How to Spot Signs of Subsidence

Subsidence is an issue that often concerns property owners - and for good reason: It can be difficult to spot and costly to fix. In this article, we look at what subsidence is.

Read more

Does your property need specialist home insurance?

Phil Spencer (Location, Location, Location) discusses non-standard home insurance.

Read more

Non Standard Property Explained

Everything you need to know about non-standard property insurance from our series of specialist property insurance guides.

Read more

A Simple Guide to Home Insurance

Buying home insurance needn't be as complicated as you think. Get to grips with the ins and outs of what makes up a home insurance policy.

Read more