The majority of mainstream home insurers will often not offer buildings and contents insurance to people who live in properties which have been underpinned, or are in an area which can be liable to subsidence.
We do however have specialist household insurers who will consider your application if you live in an area of subsidence, or if your property has already suffered from subsidence and has been underpinned.
We work with specialist insurers to find a buildings and contents insurance policy for you.
What we need to know
Our specialists will need to know details of your circumstances and your property, and so it is helpful if you are able to have this information to hand.
Our home insurance specialists will then use their expertise to hopefully find you some buildings and contents insurance.
Whilst you may have to pay more for your buildings insurance than you did before, because of the specialist nature of your case, at least you’ll have the peace of mind of knowing you are insured.
Also, if you have a mortgage on your property, it is a condition of your mortgage that your home is properly insured. Your mortgage lender will want to ensure that you have a sufficient level of buildings insurance cover.
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