Structures, which are defined by the Mine Subsidence Insurance Fund as complete buildings with walls, a roof and a foundation sufficient to firmly attach the building to the earth, and their appurtenances which are defined as fences, retaining walls, paved or improved patios, walks, driveways, and in ground swimming pools are eligible for coverage. Buildings that are under construction are also eligible for coverage.

In 1966, laws were passed which held bituminous underground coal mine operators liable for mine subsidence damage to certain dwellings and structures. Substantial amendments were made to this law in 1994. All structure owners in the anthracite and bituminous coal regions should check to see if their structures are covered by these laws and determine if mine subsidence insurance is necessary.