What is the typical excess for a subsidence claim on a landlord insurance policy?

The excess for subsidence claims is often higher than for other perils, typically starting from £1,000 and sometimes more, depending on the insurer and the property's risk profile. It's crucial to check this detail in your policy documents.

Will subsidence insurance cover damage caused by a leaking drain?

Yes, if a leaking drain causes the ground to wash away beneath foundations, leading to subsidence, this would typically be covered by subsidence insurance. However, the cost of repairing the leaking drain itself may not be covered, only the resulting structural damage.

What should I do if I suspect my rental property has subsidence?

If you suspect subsidence, you should contact your insurance broker or insurer immediately. They will usually arrange for a surveyor to assess the property and determine the cause and extent of the damage. Do not attempt to carry out repairs yourself without professional advice and insurer approval.

Can I get subsidence insurance if my property has a history of subsidence?

It can be more challenging to obtain subsidence insurance for a property with a history of subsidence, and premiums may be higher. However, it is often still possible, especially if remedial work (e.g., underpinning) has been completed and certified. Full disclosure of the property's history is essential.

Is subsidence insurance a legal requirement for UK landlords?

While subsidence insurance itself is not a legal requirement, buildings insurance generally is if you have a mortgage on the property. As subsidence cover is usually part of buildings insurance, it becomes a de facto requirement in such cases. Even without a mortgage, it is a critical protection for your investment.

Subsidence Insurance for UK Landlords: What You Need to Know in 2026

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