Mine Subsidence Insurance

Pennsylvania has a long history of coal and clay mining. As a result of this underground mining, millions of structures in Pennsylvania are located over old, abandoned underground coal and clay mines. Mine Subsidence Insurance provides financial compensation for losses caused by the movement of the earth's surface that results from the collapse of underground coal and clay mines in Pennsylvania. This coverage is offered through the Commonwealth of Pennsylvania's Department of Environmental Protection. Damage due to mine subsidence or mine water breakouts is usually not covered by your homeowner's insurance policy. 

Check for Risk

Find out if your home is sitting on top of an abandoned mine.

Fill out the MSI Site-Specific Request Form to request information about underground mining at your location

Get Coverage

If your home is at risk, coverage is available and affordable. Residential Coverage of $150,000 costs just $41.25 a year. Since 1961, the Mine Subsidence Insurance program has paid out over $36 million in homeowner claims. Coverage is provided for complete buildings, buildings under construction, appurtenances to insured structures and for incidental losses that are a consequence of a loss. Mine subsidence coverage is available from $5,000 to $1,000,000. Your home should be insured up to its replacement value plus 20% to cover losses to appurtenances and incidental costs. Residential coverage costs about 27 cents for every $1,000 of coverage. Use the premium calculator to estimate your premium.

Apply for Mine Subsidence Insurance coverage

Print application (PDF)

Print Rate Chart (PDF)

Check your application status, policy status or renew.

Insurance Producers

Insurance producers licensed with property and casualty authority in Pennsylvania may submit Mine Subsidence Insurance applications and be paid for those that become policies. On DEP's Insurance Producers website, insurers can create an account and submit applications.

Request an insurance certificate.

Learn More

To learn more about Mine Subsidence Insurance, please visit our FAQ page. Contact us at ra-epmsi@pa.gov or call 1-800-922-1678, Monday through Friday, 8 a.m. to 4 p.m. to speak to an MSI representative.

You can also check out our MSI Story Map site to learn more about mining, mine subsidence, and how it can affect your home.