Mine subsidence insurance is typically available in regions with a heavy history of underground coal or clay mining, most notably in the United States across states such as Pennsylvania, Illinois, Kentucky, Indiana, West Virginia, and Ohio. In some of these jurisdictions like Illinois and Kentucky, the coverage is automatically bundled into residential property policies unless the homeowner explicitly opts out in writing, whereas in states like Indiana and Pennsylvania, residents must proactively request and purchase it as an endorsement or standalone policy. These state-backed or state-reinsured programs exist because standard homeowners insurance policies universally exclude damage caused by underground earth movements resulting from abandoned mine collapses.
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