Many insurers do not cover thatched roof properties because they can be very expensive to repair, and are more likely to suffer extensive damage in the event of a fire.
However, you can use this comparison to find insurers that offer thatched property insurance. Visit their website to get a quote to see how much it could cost.
What information do you need to give?
You will be asked questions about your thatched cottage, including:
What type of roofing material is used? e.g. water reed or combed wheat
What fire security do you have installed? e.g. smoke detectors
What are the walls of the property made of? e.g. brick or stone
What is the depth of the thatch? e.g. 12 inches
What do you use your chimney for? e.g. having an open fire
You also need to provide the rebuild value of your property. You can get an estimated value by using the Association of British Insurers (ABI) rebuild calculator.
You may be able to get a quote online, but some insurance companies ask you to call them to complete your application.
Be aware of policy conditions
You may need to maintain and protect your thatched roof to keep your policy valid. Most insurers insist you:
Sweep your chimney at least once a year to reduce the risk of chimney fires
Get a valid electrical inspection report to identify any risks of electrical fires
Fit spark arrestors to prevent sparks escaping your chimney
Line and insulate your chimney to protect it against wear and tear
Some insurers offer lower premiums if you have fire safety measures in place, like fire blankets or applying a fire retardant to your thatch.
If you claim and your thatched roof has not been protected and looked after, your insurer may not pay out so check the terms and conditions carefully.
Insurance for thatched properties FAQs
Do I need a specialist cover for my thatched property?
Most policies do not cover thatched properties so you may need specialist cover. This comparison includes insurers that can cover thatched homes.
Will my thatched roof be covered against fire?
Yes, but most insurers expect you to have fire safety measures in place before they offer you cover. Check the policy to see what you need to have.
How often do I need to replace my thatch?
It should last 50 years, but the roof ridge will need replacing more regularly. Ask each insurer how often they expect you to replace your thatch.
Will I have to pay more for thatched roof insurance?
It can cost more because of the higher risk of damage, but you can find affordable cover using this comparison.
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