A simples guide

Thatched Roof Insurance

Thatched homes look beautiful and make you think of old fashioned chocolate box lids and snowy scenes on Christmas cards.  But owning a thatched cottage could by pricey, particularly when it comes to insurance. By comparing your thatched roof insurance quotes, you can make sure that you’re getting the best deal and right level of cover for you. 

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What is thatch?

Thatched roofs don’t have tiles on them like ordinary homes, they have thatch. Thatched is dried reeds and grass made into a waterproof roof. You can use wheat, barley, straw and heather. Water reed is the most durable as it lasts around 60 years whereas a roof made out of other grasses will only last 30 years and then it will have to be replaced. They are warm in winter and cool in the summer and will keep out the wind and the rain.

Do only old properties have thatched roofs?

No, there are plenty of new builds being constructed in England that have thatched roofs too, especially in places like Dorset and other parts of the West Country. Another popular place to see thatched roof houses is in Wiltshire.

Can any type of property have thatched roof?

It can, as long as the roof doesn’t slope more than 45 or 50 degrees. This it to allow the rain water to run off efficiently. You’ll find thatched roofs on small cottages, large country houses and even hotels.

Do they need a lot of maintenance?

Not really, the ridge of the roof needs to be renewed about every 15 years and at that time you can take away any moss that’s grown and give it a general clean.

Are thatched roofs more expensive to insure than slate roofs?

You might pay more for your insurance if you are looking for thatched house property insurance. It’s because insurers see them as a bigger fire risk than a normal home, because once a fire has started in a thatched roof it is harder to control. They also have a more expensive rebuild value than conventional houses because they have been built using specialist materials by specialists.  

Are thatched roofs safe?

Yes, in fact UK fire statistics show that there are more fires in normal homes than houses with thatched roofs. There are products for thatched roofs that are fire retardant, offering better protection and peace of mind for the owners.  

Should I have specialist thatched roof insurance?

Even if you have a thatched roof, you will still be able to get home insurance quotes from normal providers. You can compare home insurance quotes now and see what options are available to you.

However, it is worth noting that you might find that a specialist thatched house insurance company may be able to offer a more comprehensive cover. A specialist insurer will know more about the problems faced by thatched roof property owners and this may be reflected in their premiums.

You can store and retrieve home quotes with us so you could explore specialist insurance and come back and compare to the policies offered by our panel of providers. Be sure to read all the terms and conditions and make sure you’re getting the best cover for your property.

Can I do anything to reduce the premium?

Yes, your insurer may offer you a better deal if you have fire retardant spray, an aluminium foil barrier or Thatchbatts® installed. If you have a chimney, you should also ensure it’s cleaned on a regular basis and have smoke detectors installed around the house. All these things may help to get a cheaper thatched roof insurance quote.

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Where do I find thatched house insurance?

You can compare home insurance quotes now and find a competitive price for your cover. You can compare the policies on offer and make sure you’re getting the best deal for you and your thatched roof.

All average price amounts based on comparethemarket.com data in February 2016