Cheap Subsidence Home Insurance
Compare subsidence home insurance with Quotezone
Put simply, subsidence is when a property is slowly sinking into the ground. It can be caused by all sorts of things such as tree roots destabilising the ground beneath the foundations or the ground itself giving way. In addition, it is often a problem for homes built on clay soil.
Subsidence can affect both new and older properties, but for those homes most at risk, subsidence home insurance can often be needed to protect against damage. Knowing if you have a subsidence problem is not always easy although, if you spot cracks in the walls, it can often be a good indication.
When you buy a home, you could get a surveyor to check if there is a risk of subsidence. However, subsidence can often affect a property many years after it has been bought and can result in costly repairs. Normally home insurance policies do cover a property for subsidence, but for those buildings that have previously suffered damage or are deemed at risk, it may be necessary to get a separate subsidence home insurance to cover for any further damage, although subsidence insurance can be costly.
Buildings insurance subsidence
As damage caused by subsidence can be severe, putting it right can cost a fortune, which is why insurers are very wary of properties vulnerable to subsidence and offer home insurance subsidence policies. A property deemed at risk may need either separate subsidence home insurance or regular home insurance with subsidence included in the policy. Normally, there is a much larger excess of a property susceptible to subsidence, while home insurance for subsidence will generally cost more than a regular policy, but you can get cheap house insurance with subsidence policies if you know where to look.
If your property has suffered subsidence, or you are thinking of buying a home that has a history of it, it may be a good idea to shop around for house insurance subsidence policies as prices can vary dramatically. If you use a comparison website, such as Quotezone.co.uk, you may be able to find cheap subsidence insurance as we compare quotes from our panel of UK providers of building insurance subsidence and house subsidence insurance.
Compare quotes with Quotezone
Using Quotezone is quick and easy. Simply complete our one page online form about your non standard property. Quotezone will then match your details up with a non standard home insurance provider who will contact you directly to discuss a tailored quote to suit your circumstances. So whether you own a timber framed house or own a dream property next to a river, put your mind at rest, use Quotezone and get a non standard home quote today!