Thatched Property Insurance

Thatched roof insurance is a specialist insurance policy designed for properties with a complete or partial thatched home. The policy will also cover the entire property so you don’t need a separate policy for that.

We cover reed, water straw and straw. Please speak to an adviser if you believe your roofing falls outside one of these categories.

Like with most insurance, the cost of a thatched property insurance policies varies depending on things like size and age of the home, value of building and contents and what kind of cover you require so it's very tricky to provide an estimate. If you'd like a quote just call our team on the number above with the details of your thatched home.

You receive all the standard coverage you would expect when insuring your home with our thatched roof policy. There are some considerations brought about by the 'non-standard' roofing like fireplaces/guards but our experienced advisers can go through all these details with you.

All standard policy features are included in this policy. Buildings and contents insurance is included as well as many optional extras to help tailor your cover to fit your requirements.

We offer unoccupied property insurance, but you will need to speak with our team to get your cover in place. Everybody’s circumstance are different so we will assess your situation and provide you with the best possible solution.

We would be happy to arrange appropriate cover for your listed building as well as any other non-standard considerations for protecting your property.

You will need to speak with our team to get your landlord insurance cover in place, everybody’s circumstance are different so we will assess your situation and provide you with the best possible solution.

A thatched roof building faces a higher risk of fire than a standard tile roof. This highlights the main difference between the two and the reason it needs a specialist policy. There is usually a different set of exclusions that go along with a thatched policy too, this is because the extra fire risk means insurers require you to have fire precautions and agree to keep the roof maintained to a minimum standard.

You will need to know answers the some or all of the following for a broker or insurer to be able to offer a quote.

• The thatch depth - Is it less than a metre, between 1 and 2 or more than 2?

  The type of thatch material

  The height of chimney above the ridge - Less than or more than 1.8 metre

  The distance from nearest fire station

  Whether the property has open fires - It is possible to insure for a property with open fires but if you don't use the fire place you can have a 'solid fuel warranty. This states that no solid fuel is burnt on the property.

Home insurance has two main features aside from the thatched roof insurance. One is to cover the building and the other is to cover the things inside – ‘Buildings’ and ‘Contents’ insurance.

Buildings insurance includes the permanent structure including outbuildings, outside walls, garden including hedges and trees etc. During a quote you will be asked for the ‘re-build’ cost of your home. If your home was destroyed in an insurable event such as a fire, the claim should be able to cover you for the removal of the debris, planning of the new property and materials and labour to re-build. This being so it is vital you are not ‘under-insured’ for less than what all this would cost.

Everything inside your home that is not part of the building itself is covered under the contents insurance:

A great way to understand the difference between your ‘contents’ and your ‘building’ would be to (hypothetically of course) tip your house the wrong way up. Anything that would end up on the ceiling/floor is considered contents. This would mean furniture and decorations are contents but the walls, ceiling and kitchen cabinets come under buildings insurance. Be sure to make yourself aware of what is and isn’t covered in the contents insurance and also if anything should be insured separately.

Requirements typically include:

• The thatched roof must have been inspected by a thatcher within the last 10 years

• Chimneys must be swept annually

• Chimney height needs to be minimum of 1.8 meters

• No naked flames or tools producing flames be present in the attic or loft space

• Two fire extinguishers must be fitted inside the property

• Roof must be treated with fire retardant

• The electrics in the property must have been inspected within the last 10 years

Property types

You can pay by credit card or monthly Direct Debit.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the Insurance Product Information Document and policy wording, which are available during the quotation process.