Thatched cottages and similar properties are highly sought after and wonderful to live in. However, this kind of home does come with added risk and you need specific and specialised thatched home insurance for peace of mind and to protect your property. News stories appear every month of devastating fires in thatched homes, and should the worst happen, you want your financial investment protected at the very least.

Specialist Thatched Home Insurance

Thatched cottages and houses require specialist insurance focused on the thatching itself. Thatched roof and thatched home insurance will focus on protecting the property against fire, storm and accidental damage. Some policies may also protect against flooding.

A thatched home insurance policy will also include everything you would expect from a regular home insurance policy such as building and contents insurance. You may find slightly different terms due to the specialist nature of your property, but you can look at these before settling on any policy.

Buildings and property owners’ liability insurance may be something else to consider. Some policies incorporate this, and it protects against things such as subsidence, debris removal charges and surveyors’ fees.

Thatched Roof Insurance

The focus for thatched home insurance is of course the thatching of the roof. Specialist insurance is almost always needed for these homes. Thatched homes are “non-standard” which means they usually cannot be covered in a standard home insurance policy.

The evident and clear risk of fire increases with a thatched roof. Similarly, the re-build costs should a fire occur are also higher.

Owning a thatched property comes with additional costs and unfortunately higher insurance premiums is one of them. Investing in this kind of property is a risk but for many it’s their dream home, so this is completely understandable.

Many thatched properties are also classed as listed buildings. This again may increase their premiums because of their significant historical interest. Knowing all of this before you invest in a thatched property helps avoid any unwelcome surprises further along the way.

Specialist Thatched Home Insurance with Just Quote Me

Just Quote Me employs a team of insurance specialists. We work with many different types of homeowner to secure the best insurance for every customer. The quotes available for thatched properties are less than standard homes. However, there is still plenty of scope for choice and finding the right policy for your property. Contact us today to find out more.