Thatched Roofs Home
Insurance
What is Thatched Roofs Home Insurance?
Thatched Roof Home Insurance is a specialist form of cover that protects homeowners of thatched properties against the unique risks these homes face. From increased fire risk to complex rebuild costs, this insurance helps safeguard your home and belongings with tailored protection.
For owners of character homes, cottages, and listed properties, thatched home insurance offers vital peace of mind and the reassurance that your home is properly protected against unexpected events.
Who Needs This?
If your property has a thatched roof, a standard home insurance policy may not provide the protection you need. Specialist cover is essential for:
- Thatched Homeowners – Whether it's your main home or a holiday cottage.
- Listed Building Owners – Thatched homes with historical or architectural value.
- Rural Property Owners – Homes located in countryside areas or conservation zones.
- Second Homeowners – Cover for character homes used seasonally or occasionally.
- Renovators and Restorers – If you're restoring or converting a thatched property.
Why is it Important?
Thatched homes carry higher risks, particularly from fire and complex rebuild requirements. Without specialist insurance, you could face serious financial challenges in the event of a claim.
Common risks covered by Thatched Home Insurance include:
- Fire and Chimney Risk – Protection against the elevated risk of fire damage due to the thatch.
- Theft or Break-ins – Cover for stolen belongings and damage caused by forced entry.
- Liability Claims – Cover for legal costs if someone is injured on your property.
- Alternative Accommodation – Pays for somewhere to stay if your home becomes uninhabitable following a fire or major incident.
Coverage at a Glance
Know exactly what you're protected against.
What's Covered
Specialist thatched roof home insurance typically includes:
- Buildings Insurance – Covers the structure, including the thatched roof, against risks like fire, storm, or subsidence.
- Contents Insurance – Protection for personal belongings, furniture, and valuables.
- Personal Liability – Covers legal costs if someone is injured on your property.
- Accidental Damage (optional) – Extra cover for mishaps such as damaged beams or cracked tiles during maintenance.
What's Not Covered
- Gradual deterioration or ageing of the thatch.
- Failure to maintain fire safety measures, such as spark arrestors or chimney sweeps.
- Deliberate damage or dishonesty in a claim.
Additional Cover You May Need
Depending on your business type, consider adding these protections.
Get the right cover for your business
At Insurably, we have access to 100's of insurer markets. No matter how unique your requirements, we find the right cover to suit you.
What does Thatched Roofs Home cover you for?
Insuring a thatched cottage can be challenging, with many providers overlooking the unique risks of older homes. Insurably simplifies the process by understanding these specific needs and arranging appropriate cover without unnecessary hassle.
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