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.
SoSmart Money are specialists when it comes to mortgage and insurance advice. Our trained expert advisers have access to the UK’s leading lenders and using their knowledge and skills will place you with the most suitable lender and product for your needs.
Speak to one of our experts for mortgage advice, life insurance cover, to protect your income, insurance your home or contents and private medical cover.
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