Subsidence Insurance

There are many different reasons why subsidence can affect your home – from natural causes such as long periods of dry weather, to broken drains and man-made causes including mining activity and traffic.

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We get to know you and your individual insurance needs

We know subsidence and underpinning can be difficult to insure and are often excluded from standard home insurance policies. So while many insurers may refuse to insure you, we take the time to genuinely get to understand the exact causes of your subsidence and the ongoing risks you face.

Our experience, market knowledge and reputation allow us to provide cover for properties that have, or are showing signs of, historical movement as well as properties that have been underpinned. We work with wide range of insurers who can offer cover on the basis that the movement is not on-going and structural reports are available.

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A personal claims service you can rely on

Accidents happen and the unexpected occurs. So our personal claims team is here for you when you need to make a claim, giving you all the reassurance and support you need, when you need it most.

For a bespoke personal service and all the protection you need - without paying for cover you don’t - it has to be Higos.

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For independent advice or a personal quote

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Our subsidence cover can include:

  • Historical subsidence
  • Underpinned homes.

For independent advice or a personal quote

Contact us

Free mid-term review

Even if your policy isn't due for renewal now, we'd be happy to offer you a free, no obligation assessment of your current levels of cover

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