However, there is a perception that thatched properties present a greater risk, making household insurance much more expensive to obtain.
Although the risks associated with these homes are quite different to a standard slate roof, it is possible to get insurance for thatched properties without too much of a problem.
Having trouble getting insurance for a thatched roof?
When you first start looking, you might well find it a bit of a struggle to find a company who offers a thatched property insurance. Or if you are lucky enough to locate one, the thatch insurance quote might be simply eye-watering!
The reason for this is not that a thatched property is incredibly high risk but more to do with the fact that it is a very niche market.
In order to provide home insurance for thatched cottages or other types of dwellings, the underwriter must have a very good understanding of the particular features of this sort of roof.
In many cases, the insurer simply does not have the necessary experience in dealing with insurance for thatched houses, resulting in a quote which is much higher than it should be.
An easy solution: how to find thatched roof property insurance
The good news is that it is actually quite simple to find reasonably priced thatched home insurance without spending a lot of time, money and effort finding the right company.
You simply have to find companies that offer specialist home insurance cover - you can check our thatched property insurance comparison table for a starting point.
To make sure you are properly protected you should ensure that any buildings insurance for thatched properties that you takes out specifically includes thatched roof insurance protection.
And of course, you will want contents insurance for thatched properties too to make sure your belongings are also fully covered.
Any company who offers thatched buildings insurance should have a good understanding of the issues facing homeowners, such as taking care of a listed building, or using the property as a weekend or holiday retreat.
It's hard to substitute this kind of expert knowledge which is exactly why it's a good idea to always use a specialist provider to provide house insurance for thatched property.
You can find out more by reading our comprehensive guide How to find the best home insurance quotes.
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