Mine subsidence insurance may be valuable for homeowners in at-risk areas, but it's fairly niche, so it may not be worth it for everyone. To determine whether mine subsidence insurance is worth it for you, it may be a good idea to examine your home's proximity to current and historical mining activities. If the EPA has identified your area as an abandoned land mine site, you might want to consider adding coverage. If you've analyzed your home's location and you're still not sure if mine subsidence insurance is right for you, it may help to speak with a licensed insurance agent about your specific circumstances.