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Underpinned House Insurance

Building and contents cover for underpinned houses.

  • Subsidence cover for underpinned properties
  • Underpinned house insurance available for listed properties
  • UK-based support
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One of the UK's leading independent insurance brokers

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Overall service rating 4.6 / 5

Based on 3957 customer reviews

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Why choose underpinned house with Towergate?

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Underpinned house insurance claims team

We have dedicated underpinned house insurance claims professionals to help give you peace of mind when you need it the most.

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Underpinned house insurance specialists

If you have any questions about your policy or need to make a change, just contact our specialist customer service team.

Direct Debit

Spread the cost of underpinned house insurance

You can use Direct Debit to pay your premium in instalments, subject to an additional charge.

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Cover for underpinned homes with previous subsidence

We will try to cover your underpinned home even if you've suffered from subsidence in the last 10 years, following a full structural engineer's report and certificate of structural adequacy.

About underpinned house insurance

Accidental Damage

Contents cover for underpinned houses

We can cover contents in transit; money and credit cards (up to limits); and valuables, jewellery and electrical items. Underpinned house insurance contents cover limits can be extended over Christmas and weddings to accommodate extra belongings in your home.

Contents only cover can be provided with a ‘temporary accommodation exclusion’ endorsement added to the policy. We need the same level of information from you, but contents only cover for houses underpinned in the last 10 years we do not need full structural engineer's report or certificate of structural adequacy, just a confirmation that all repairs have been completed with no further signs/issues.

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Cover when selling your underpinned house

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.

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Underpinned house alternative accommodation cover

If your underpinned house becomes uninhabitable, alternative accommodation cover helps with the cost of staying somewhere else until the insured damage to buildings has been repaired and you can return home.

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

Underpinned House 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 (so long as no claims have been made) at inception or renewal date. f you need to cancel your cover during the 14-day cooling off period 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 both listed and timber framed properties.

 

Yes, in line with all property insurance you must take all reasonable steps to prevent accidents, loss or damage and must maintain the property insured in sound condition and good repair.

For those with 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 and supplied when you arranged cover. A copy policy is available on request.

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.

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Underpinned house insurance articles and guides

Non Standard Property Explained

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

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How do Trees Affect Home Insurance?

Get up-to-date advice on how trees affect home insurance and what you need to be concerned about. Our quick guide dispels the myths.

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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.

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