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What is Thatched Roof 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 Thatched Roof Home Insurance?

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 Thatched Home Insurance 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.

What’s Covered in Thatched Home Insurance?

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 property, you may also want to consider optional extras such as:

Get the right cover for your thatched home

At Insurably, we understand the charm and complexity of thatched homes. That’s why we work with trusted insurers who specialise in non-standard properties — helping you find cover that reflects your home’s unique needs.

Start your quote today and protect your thatch with confidence.

Get a quote
  • No call centres, just local expert support.
  • We understand character homes and listed buildings.
  • Clear, honest advice from specialists in non-standard risks.

What does Thatched Roof Home Insurance cover?

  • Personal Liability Cover
  • Property Damage
  • Alternative Accommodation

What's Covered?

What's Not Covered?

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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.
Emily Turner Managing Director | Turner Consultants

25+

years of experience in home insurance

100+

insurer markets accessed

100%

confidence in property protection

Frequently Asked Questions

Thatched Roof Home Insurance is a specialist policy designed to cover properties with thatched roofs. It accounts for higher fire risks, unique rebuilding methods, and the use of traditional materials, offering peace of mind that your home is properly protected.
A comprehensive policy typically includes:
  • Buildings Insurance – Covers your home's structure, including the thatched roof, against damage from fire, storm, or flood.
  • Contents Insurance – Protects your possessions from theft, fire, or accidental damage.
  • Personal Liability – Covers legal costs if someone is injured on your property.
  • Alternative Accommodation – Pays for somewhere to stay if your thatched home becomes uninhabitable due to an insured event.
  • Accidental Damage – Optional cover for one-off mishaps like broken antique fixtures or cracked beams.
Yes. While insurance isn’t legally required, thatched homes face a higher risk of fire and tend to cost more to rebuild. Specialist cover ensures you won’t face overwhelming costs if the worst happens.
Yes, most lenders require buildings insurance as a condition of the mortgage — and with a thatched home, the policy must reflect the property’s non-standard construction and potential rebuild costs.
Premiums vary depending on:
  • The rebuild cost and construction style (e.g., listed status, traditional materials).
  • Your location and how close you are to a fire station.
  • Security measures and chimney/fireplace maintenance.
  • The value of your contents and optional add-ons.
  • Your claims history and previous insurer refusals (if any).
You can start your quote online with Insurably or speak to our specialist team. We’ll find insurers that understand non-standard homes like yours and provide the right cover for your unique property.