IMPORTANT NOTICE
The Mine Subsidence Quarterly and Semi-Annual reporting requirements have been updated for 2026. All Quarterly and Semi-Annual reporting must be submitted through OPTins. Please see the Company Reporting Information at the bottom of this page.
- Indiana Mine Subsidence Reinsurance Agreement
- Insurance Premium Rate Table
- Company Reporting Information
- FAQs for Consumers and Insurers
The Indiana Mine Subsidence Insurance Fund, created by the Indiana State Legislature, protects home and business owners in 26 affected counties in southwestern Indiana along the Illinois Coal Basin. "Mine subsidence" means the collapse of an underground coal mine resulting in damage to a structure.
Due to the nature of the damage, standard policies do not cover mine subsidence claims. For protection, you must purchase mine subsidence insurance as an addition to your current policy. Mine subsidence insurance can be added to your homeowners policy at any time. To be eligible for a claim, your home or other structure must be insured prior to any damage from mine subsidence.
- Mine subsidence insurance is available to anyone with basic fire coverage.
- Mine subsidence insurance is available from your property and casualty insurance agent.
Premiums are structured to put mine subsidence insurance within your reach. For a reasonable rate, you can insure your home or other structures for up to $500,000 per structure. The deductible for mine subsidence insurance is two percent of the policy (with a minimum deductible of $250.00 and a maximum of $500.00).
Damages not covered by mine subsidence insurance include:
- Losses caused by earthquakes, landslides, volcanic eruptions, collapse of storm sewer drains, or active mining.
- Land, trees, crops or other plants and the contents of the structure are also not covered by mine subsidence insurance.
If you have purchased mine subsidence insurance and suspect your home or other structure is being damaged by mine subsidence, call your insurance agent. Your insurance agent will assist in filing a claim with your insurance company. If necessary, a qualified expert will assess the claim.
In some instances, repairs will have to be delayed until the mine subsidence has stopped. Once this occurs, final and permanent repairs can be made. Without coverage, you will have to pay for these home repairs.
If you own a home, farm or commercial property in one of the designated counties, you are eligible for mine subsidence insurance.
Clay | Owen |
Crawford | Parke |
Daviess | Perry |
Dubois | Pike |
Fountain | Posey |
Gibson | Putnam |
Greene | Spencer |
Knox | Sullivan |
Lawrence | Vanderburgh |
Martin | Vermillion |
Monroe | Vigo |
Montgomery | Warren |
Orange | Warrick |
Claims Filed
The Indiana Mine Subsidence Insurance Fund received the following number of claims in each fiscal year indicated:
FY 22/23 - 27
FY 21/22 - 17
FY 20/21 - 20
FY 19/20 - 22
FY 18/19 - 32
FY 16/17 - 39
FY 15/16 - 42
FY 14/15 - 28
FY 13/14 - 32
FY 12/13 - 35
FY 11/12 - 22
FY 10/11 - 16
FY 09/10 - 6
FY 08/09 - 18
Claims Paid
The Indiana Mine Subsidence Insurance Fund paid the following amounts in claims in each fiscal year indicated:
FY 22/23 - $ 1,590,610.86
FY 21/22 - $ 1,401,368.80
FY 20/21 - $ 2,200,952.99
FY 19/20 - $ 2,979,286.81
FY 18/19 - $ 3,752,697.70
FY 17/18 - $ 1,461,074.23
FY 16/17 - $ 4,522,439.00
FY 15/16 - $ 3,388,872.00
FY 14/15 - $ 1,780,077.00
FY 13/14 - $ 694,764.00
FY 12/13 - $ 1,526,599.00
FY 11/12 - $ 505,173.00
FY 10/11 - $ 590,184.00
FY 09/10 - $ 515,957.00
FY 08/09 - $ 576,936.21
Insurance Premium Rate Table
- Insurers are required to offer up to $15,000 of coverage for additional living expenses (ALE) caused by mine subsidence damage to a structure in which the insured resides, subject to waiver by the insured. The cost of the additional living expense to be added to the policy is $5, the same ceding commission applies. Additional living expenses rates are effective as of January 1, 2017.
Dwellings
Coverage Amount | Premium |
$0 TO $25,000 | $24.00 |
$25,001 TO $40,000 | $30.00 |
$40,001 TO $60,000 | $36.00 |
$60,001 TO $75,000 | $42.00 |
$75,001 TO $100,000 | $60.00 |
$100,001 TO $125,000 | $80.00 |
$125,001 TO $150,000 | $98.00 |
$150,001 TO $175,000 | $114.00 |
$175,001 TO $200,000 | $130.00 |
$200,001 TO $225,000 | $146.00 |
$225,001 TO $250,000 | $163.00 |
$250,001 TO $275,000 | $179.00 |
$275,001 TO $300,000 | $195.00 |
$300,001 TO $325,000 | $211.00 |
$325,001 TO $350,000 | $228.00 |
$350,001 TO $375,000 | $244.00 |
$375,001 TO $400,000 | $260.00 |
$400,001 TO $425,000 | $276.00 |
$425,001 TO $450,000 | $293.00 |
$450,001 TO $475,000 | $309.00 |
$475,001 TO $500,000 | $325.00 |
Non - Dwelling
Coverage Amount | New Premium | |
$0 TO $25,000 | $42.00 | |
$25,001 TO $35,000 | $48.00 | |
$35,001 TO $45,000 | $54.00 | |
$45,001 TO $55,000 | $60.00 | |
$55,001 TO $65,000 | $66.00 | |
$65,001 TO $75,000 | $72.00 | |
$75,001 TO $85,000 | $75.00 | |
$85,001 TO $100,000 | $90.00 | |
$100,001 TO $125,000 | $115.00 | |
$125,001 TO $150,000 | $138.00 | |
$150,001 TO $175,000 | $159.00 | |
$175,001 TO $200,000 | $179.00 | |
$200,001 TO $225,000 | $207.00 | |
$225,001 TO $250,000 | $230.00 | |
$250,001 TO $275,000 | $253.00 | |
$275,001 TO $300,000 | $276.00 | |
$300,001 TO $325,000 | $299.00 | |
$325,001 TO $350,000 | $322.00 | |
$350,001 TO $375,000 | $345.00 | |
$375,001 TO $400,000 | $368.00 | |
$400,001 TO $425,000 | $391.00 | |
$425,001 TO $450,000 | $414.00 | |
$450,001 TO $475,000 | $437.00 | |
$475,001 TO $500,000 | $460.00 | |
Company Reporting Information
Starting in 2026, mine subsidence reports will be submitted through OPTins. Please review the document titled “MS Instructions” for detailed guidance and reporting schedules.
MS Instructions – Summarizes Mine Subsidence Insurance Fund company reporting requirements, deadlines and Department Mine Subsidence contacts
OPTins – File reports and remit premium
For information regarding Company Reporting please contact: MineSub@idoi.IN.gov