Thatched roof home insurance
Compare insurance quotes for properties with thatched roofs
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.
Insurance you can get for a thatched property
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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.
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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.
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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.
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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.
^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.
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.
Frequently asked questions
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Yes. The materials used to make thatched roofs are more expensive than those used on standard homes.
Thatched roofs need re-ridging every 8 to 10 years, and your insurer will want to know that your roof is in a good state of repair to avoid related problems.
Your thatched cottage could also be a listed building which means strict rules could restrict repairs or construction.
If you had to make a claim, you’d also need to find a specialist to make repairs to your roof, which could be costly.
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Insurers will often cover roofs made of reed, water straw and straw. It’s worth checking the policy details if your roof falls outside of these categories.
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Yes, but you’ll need to take out unoccupied property insurance to get the cover you need.
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Yes. It’s common for thatched properties to be listed, so you should be able to get a listed property insurance quote for your thatched property.
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