If your home has been affected by subsidence, or your property is in an area that is prone to these types of risks, you'll be aware of how difficult it can be to obtain comprehensive home insurance.

If your home is subsiding, it is basically sinking into the ground, usually due to soil shrinkage. Properties built on clay soils are particularly vulnerable to subsidence because the soils are more likely to shrink when they are dry. So, a long hot summer with no rain is potentially worrying.

Even if your property has suffered subsidence in the past and the problem was fixed decades ago, you may still find it hard to obtain standard home insurance.

You may find that standard insurers are not able to offer the level of cover that you require or if they do, it can prove to be very expensive.

You may need to find a specialist insurance provider.

Cover your contents

Home insurance will cover you for your belongings within your home up to a certain value. You can also get extra protection for valuable items or items that you take out of your home.

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Protect your property

In case of serious damage to your property, buildings insurance will protect you should you need to cover the cost of rebuilding your entire home.

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Tailor your insurance cover

Standard home insurance policies may not cover all eventualities - however you can tailor your insurance to add extra cover, such as high value items or accidental damage cover.

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How can we help you?

So Smart Money are specialists when it comes to mortgage and insurance. We have access to the UK’s leading brokers and using their knowledge and skills they'll place you with the most suitable lender and product for your needs.

Speak to an expert for mortgage advice, life insurance cover, to protect your income, insurance your home or contents and private medical cover.