Underpinned House Insurance

Living in a house that has been underpinned in the past shouldn't stop you from protecting it

Insuring your underpinned home with excellent levels of cover

  • Basic Legal Expenses cover included
  • Basic Home Emergency cover included
  • Defaqto 5 Star rated home insurance
  • New for old contents cover

What is underpinning of a house?

Underpinning is the strengthening of the foundations of a house. This can be necessary when the usage of a building changes or when the structure has been weakened or damaged, usually by weather conditions.

Homes that have been underpinned can cause headaches when it comes to buying home insurance. Mainstream insurance companies will either refuse to provide a quote or quote a very expensive price with a very long list of exclusions and conditions. This is because insurers use the fact of the property being underpinned as an indicator that subsidence might happen again.

Ready for a refreshing change?

When you apply for home insurance for your underpinned home with us, you’ll experience a breath of fresh air. Firstly, you enter all your details into the online quote form. Then one of our in-house underwriters will assess your property and risks surrounding repeat subsidence issues and then we will offer you a tailored policy at a competitive rate. This process typically takes only a couple of days.

Excellent levels of cover

Home insurance offered by HomeProtect is rated 5 Star by Defaqto, an independent financial research company. This indicates that the policy includes excellent levels of cover for a wide range of features, in fact one of the best offerings in the market. Letting you relax, knowing that your home insurance will help out should the worst happen.

Underpinned House Insurance

Insuring An Underpinned House

An article about underpinning with reference to subsidence insurance. 

Read the article

To get a quote, you'll need to know:

  • Facts about the building’s history including the year that the building was underpinned
  • Details of all claims made, including those relating to any subsidence events.
  • What was the cause of the subsidence
  • Do you know if there has been any ground movement since the event
  • Do you have any documentation to confirm that there have been no problems since the event

What our customers say

Your questions answered

Unoccupied house insurance

Underpinned house insurance FAQs

We’ve prepared some helpful answers to your questions about underpinning, and about how our insurance policy works.

Learn more

Our claim was handled sensitively and professionally. The money was received promptly as well! I would recommend using HomeProtect.

Renewing later?

Which month does your home insurance renew?

Tell us to receive special offers from us by email at the right time.

Plus we'll enter you in a £100 voucher prize draw now!

You might be interested in…

Subsidence: Planning permission and underpinning

Planning Permission & Underpinning

Wednesday, 24 September 2014

Subsidence: Planning permission and underpinning

Continue Reading
Subsidence: Underpinning and building regulations

Underpinning And Building Regulations

Thursday, 21 August 2014

Subsidence: Underpinning and building regulations

Continue Reading
The facts about underpinning

Underpinning Information

Wednesday, 04 February 2015

Cracks in the wall: The facts about underpinning

Continue Reading


Need underpinned insurance? Get a quote, it only takes 10 mins

Get a quote