Thatched house insurance
Thatched house insurance
A thatched home is full of character and charm. However, there is a higher risk that comes with a thatched roof which requires specific thatched house insurance. If you have a property with a thatched roof, then you may need additional cover or a specialist home insurance policy. So, what do you need to know about thatched house insurance?
Why do you need thatched house insurance?
A thatched roof may look attractive but comes with a higher risk, especially when it comes to fires. As a result, you need to ensure that your insurance provider will cover your thatched roof as many insurers will not cover the additional risks. Furthermore, they will not want to pay the expense of replacing a thatched roof like for like.
There are some insurance providers that will insure a thatched roof. At Just Quote Me, we work closely with these providers to ensure you receive the best possible deal.
It is often best to have thatched house insurance from a specialist provider. However, they will have specific requirements before they insure you. One of these requirements will be that your roof is in a good state of repair. Remember that thatched rooves will need replacing every eight to ten years.
Can you lower the cost of thatched house insurance premiums?
The biggest insurance risk with a thatched home is that is has a high fire risk. Consequently, this is why your insurance premiums may be high. However, by reducing the fire risk of your home, you can lower your thatched house insurance premiums.
Some of the things you can do to lower your fire risk are to regularly complete chimney sweeps and check electrical wirings to ensure the property is as safe as possible. You can also help to fireproof your roof with fire barriers and fire-retardant spray which can help to limit the damage to the roof in the event of a fire.
Another essential feature for your insurance for a thatched home is to install smoke alarms throughout the property and in the roof space to help alert you to a fire so that you can act in event of a fire as quickly as possible.
Are you looking for thatched house insurance?
If you are looking to protect your thatched house, then Just Quote Me will search high and low for the most competitive insurance quotes. The team works closely with a range of specialist providers and can help you to find the right level of cover for your home. Find out more today by getting in touch or using our quick quote form.