Thatched roofs add character to a home, but they’re also trickier to fix and heighten your home’s risk of fire, pest damage and leaking.
This can make home insurance more expensive and harder to find. But cover does exist, and we work with a range of insurers who’ll insure your thatched roof home.
Compare quotes now to find the right cover for you at the right price, or read on for tips on getting the best deal.
Non-standard home insurance for a thatched roof home is tailored to the increased risk of fire damage and the specialist skills needed to fix or replace it. With buildings insurance you're usually covered against damage from:
Fire is particularly dangerous for a thatched roof building due to the highly flammable nature of the thatch. A fire can spread through a straw and/or reed thatch rapidly.
Flood and storm damage can be devastating to any building but a thatched roof home can be particularly troublesome. Thatch materials are more susceptible to extreme weather - for example, a bolt of lightning can quickly start fires in the thatch. Also, without the proper cover, you could find yourself landed with expensive repairs that only a specialist thatcher is capable of doing.
Burglary damage is where your home is damaged during a break-in, even if the burglar didn't manage to steal anything. You can help prevent theft in your home by having the right type of lock and also choosing the best type of burglar alarm.
Yes. This is for a few reasons. The first is the obvious fire risk a thatched roof represents. You will pay more for buildings insurance due to this. However the average price of contents insurance for thatched properties is £68*. This is only £16* more than the standard average price of £52*.
A thatched roof building will also typically have more expensive repair and rebuild costs, which is something insurers take into consideration when calculating your costs. This is because of the materials needed and the specialist tradespeople for this type of work.
If you own a home with a thatched roof, it’s likely it could also be a listed building. This means there could be local or national guidelines on what to do if your home needs to be repaired. These restrictions mean it could be more expensive to get work done.
According to our data*, the average building insurance policy for a Grade I property is £480 while cover for a Grade II building is £427.
There are also ways to reduce your fire risk and save money on your policy:
To make sure you're fully covered, it's important you give us the right details when you get a quote.
The pros of owning a thatched roof home include:
But of course there are cons to consider too:
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