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What is Subsidence?

Subsidence occurs when the ground beneath a property sinks or shifts, often causing cracking or structural damage. It can be triggered by factors like:
 

 Tree roots drying out soil
 Broken drains or pipes washing away earth
 Changes in ground moisture
 Clay soil shrinkage during hot weather

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A history of subsidence doesn’t have to stop you from protecting your home. Our specialist Subsidence Insurance is designed for properties that have experienced structural movement—whether historical or ongoing—giving you the right level of cover and peace of mind.

What Does Subsidence Insurance Cover?

Our specialist policies are tailored for homes with previous, ongoing, or suspected subsidence, and may include:

Structural damage cover – For cracking, shifting foundations, or related issues
Buildings insurance – Protection against fire, flood, storm, and other risks
Optional contents cover – For your possessions inside the home
Public liability insurance – If someone is injured due to subsidence-related damage
Underpinning accepted – We work with insurers who cover underpinned properties
Cover for future resale or mortgage requirements – Policies that keep you insurable when you sell
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Why choose Crowthorne for Subsidence Insurance?

 Access to specialist insurers who understand complex property histories
 Cover available even with prior claims or underpinning
 No automatic exclusions based on postcode
 Friendly team who can liaise with surveyors or previous insurers
 Quotes tailored to your property’s unique situation
Will-Building-Insurance-Cover-Subsidence

When do you need it?

You should consider this policy if your property:
Has previous or ongoing subsidence issues
Was underpinned
Shows signs of movement, cracking, or shifting
Is built on clay or unstable ground
Has had claims declined or premiums increased by standard insurers
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Tailored Insurance Review

Every risk and budget is unique. We’ll assess your needs and design a policy that fits—at a competitive price.

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Finalise Your Cover

Explore your options and select the policy that best matches your requirements and budget.

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We know insurance can feel complicated  and the last thing you want is to be stuck on hold or passed around a call centre. At Crowthorne Insurance Services, we do things differently.

  Guaranteed callback within 30 mins

  Honest advice from our experts

  Insurance that is tailored to you

Simply fill in the form today and a member of our team will be in touch.

Testimonials

What Our Clients Say

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“We were turned away by so many providers—Crowthorne actually listened.” Our property was underpinned 15 years ago, and finding insurance was stressful. Crowthorne took the time to understand the full history and came back with a policy that ticked every box.
Client
“Crowthorne Insurance were very useful for when I needed 28 day chassis insurance on my unregistered classic Japanese import car in order to drive it to and from an MOT for its registration. Quick replies and no fuss. The price was high considering it was only for 28 days but I guess not unusual for that kind of specialist insurance. Would use again in the future!”
Beth L
“Contact with the Cowthorne team is a pleasurable experience - they are always helpful, efficient and will search the market for the best policy.”
Peter Foister
“Went there for my Car insurance. Got a great deal better than on line and other shops. Boss was a very nice chap and the man that served me Neil ,was very helpful.and sorted me out a great deal. Yes i can recommend this company. Hope i can say the same next year when i get the renew price. If they play there cards right they may get my house and other car and holiday insurance. Thanks Crowthorne insurance.”
Ray Thorpe
“I used Crowthorne Insurance recently as a new driver, and they really helped me out. They are always friendly and polite, never kept me waiting long over the phone or e-mail, and were always happy to answer any questions I had.I had a particularly good experience talking to Jack, who went above and beyond to get me a policy which wasn't prohibitively expensive at a time when the insurance market is particularly harsh to new drivers. It would not be an exaggeration to say that thanks to his efforts, I've saved thousands of pounds.I highly recommend this company and look forward to working with them again when it's time to renew. Thanks guys!”
James Lill
“I've been using Crowthorne insurance Ltd for quite a few years now. Never had any issues or problems. The staff are very friendly and professional. I highly recommend giving them a try.”
Richard Reynolds
“Very helpful and straightforward company to deal with . Thank you .”
Moira Scott
“I have been using Crowthorne insurance for years. I would highly recommend them. the staff are friendly and very helpful. on the occasions I have had issues or need changes they have been most helpful and speedy to resolve the problems. They now handle my whole family's insurance needs all 4 generations.Great job guy thank you”
Ian Howlett
“I have continued to use Crowthorne Insurance Services for many years now. The staff are always very accommodating to my ever changing vehicles and personnel.I would thoroughly recommend Paul and his team .”
Mark Bullen
“Outstanding service provided from Crowthorne Insurance from start to finish, highly professional service will definitely be using them for years to come!!”
Samuel Coombes
From Our Blog

Latest Updates

How To Check A Property For Subsidence

How To Check A Property For Subsidence

Apr 10, 2025 12:34:30 PM 2 min read
How Much Does It Cost To Insure A Small Business?

How Much Does It Cost To Insure A Small Business?

Mar 28, 2025 11:30:00 AM 2 min read
4 Things To Consider When Buying A House With Historical Subsidence
An insurer suggesting remedies for subsidence to an old couple

4 Things To Consider When Buying A House With Historical Subsidence

Nov 22, 2024 11:00:00 AM 2 min read
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