- No losses within the last 5 years, whether insured or not
- Must be permanent residence
- Has no sign of damage by subsidence, heave or landslip
- You are not aware of any previous damage caused by subsidence, heave or landslip
- Property must be in a good state of repair and built of brick, stone or concrete and roofed with slate, tile, concrete, metal or asphalt
- The property must be self-contained with its own front door
- Is not susceptible to damage by flood
- Is not in close proximity to large trees
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