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Thatched roof home insurance

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What is thatched roof insurance?

Thatched roof property insurance is a specialist type of home insurance for properties with a complete or partial thatched roof. 

It covers homes for theft, floods, storms and accidental damage, but also takes into account the higher risk of fire - which is the main reason you’ll need a specialist policy. 

There’s usually a different set of exclusions for a thatched policy, and you’ll be required to have fire precautions and keep the roof well maintained.

thatched roof insurance

Insurance you can get for a thatched property

  • Buildings insurance

    Buildings insurance covers the structure and all permanent fixtures and fittings of your home. You can get buildings insurance and contents cover as a combined home insurance policy.

  • Contents insurance

    Contents insurance includes your belongings that are kept in your home and possible those in your garden, shed and outbuildings, depending on the policy.

  • Cover for fires, storms and floods

    Your buildings, contents or combined policy will cover your thatched home and/or belongings for fire, storm and flood damage and theft.

  • Optional extras

    If it’s not already included, you can usually add extra elements of cover on to your policy, such as legal expenses cover and accidental damage.

Free £250 home excess cover, only with GoCompare^

If you need to claim on your home insurance - for example, if your building is damaged by subsidence or your possessions are stolen - your free home excess cover will refund up to £250 of your excess.

There’s no hidden charge. But you won't be covered for things like accidental loss such as leaving a laptop on a train or accidental damage, such as spilling wine on your carpet or drilling through a pipe.

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^UK residents and home insurance purchases only. Excess refunded after claim settled. Excludes accidental loss or damage claims made on your home insurance. Full T&Cs apply.

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If your home’s less of a fire risk, it could save you money on your insurance

For more information about thatched roofs and how they should be maintained, take a look at the Thatching Advisory Services website.

How to reduce the cost of thatch insurance premiums

Here are a few things you can do to get your thatched roof insurance cheaper:

  1. Smoke detectors

    Install fire alarms throughout your property to alert you to a fire

  2. Safe electrical wiring

    Have regular electrical wiring checks

  3. Clean chimneys

    Ensure your chimney is swept regularly

  4. Fire barriers

    Install a fire-resistant barrier underneath the thatch

  5. Fire protection sprays

    Cover your thatch in a fire-retardant spray

  6. Higher excesses

    Increase your voluntary excess

  7. Compare quotes

    Get thatch insurance quotes here at GoCompare

Compare thatch roof insurance to get the right cover for your thatched property

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