Thatched roof home insurance
Home and contents cover for thatched properties
Looking to insure a property with a thatched roof? The team of Specialist Advisors at Highworth Insurance are accustomed to all the variables encountered when trying to insure a building with a thatched roof. Skilled at building a policy to suit your precise needs, thatch, just like any other non-standard building material, does not present a problem for us.
It is estimated that there are approximately 24,000 listed, thatched properties in the UK. Only 5% of these are new builds, although with the resurgence in ecologically sound homes, this number is set to rise.
Why is thatch more expensive to insure?
One of the major drawbacks when trying to insure a thatched property on a standard home and contents policy is the perceived increase in fire risk. Also many thatched homes are very old, listed and/or situated on conservation areas; this coupled with the labour intensive, specialist skills required to repair and rebuild thatch, means that projected rebuild costs are particularly high.
As established insurers of high to mid net worth homes, who specialise in non-standard build insurance, including thatched roof insurance, at Highworth Insurance we are not daunted by high rebuild costs. In fact our standard policy available online offers rebuild cost cover of up to £1.5 million with up to 3 years alternative accommodation whist your home is being rebuilt.
Things to keep in mind when considering thatched roof insurance
Always inform your insurer if your property is located on a conservation site or if it is either a Grade 1 or Grade 2 listed building.
Make sure that you have adequate insurance and that your insurer is fully aware of the type of roof your property has. Thatch has to be repaired by experienced craftsmen and it is not uncommon to wait for up to 2 years for large pieces of work to be undertaken.
We would always recommend that you read policy wordings and key facts documents to fully appreciate the cover and any exclusions and limitations.