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 some insurers do offer thatched property insurance so compare quotes 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.