Compare insurance quotes for properties with thatched roofs
Thatched roof property insurance is a specialist type of home insurance for properties with a complete or partial thatched roof.
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.
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 includes your belongings that are kept in your home and possible those in your garden, shed and outbuildings, depending on the policy.
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.
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.
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.
Yes, but you’ll need to take out unoccupied property insurance to get the cover you need.
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.