Thatched Property Insurance

Thatched Property Insurance can be a minefield. With so many factors to consider, how can you be sure your home is protected? As a specialist in both thatched property and barn conversion insurance, we can help.

• • More than 30 years of experience
  • Properties with wood burners accepted (conditions apply)
  • Policies are underwritten by an A-rated insurer
  • Accidental damage covered as standard
  • Dedicated Claims team
  • Monthly, interest-free payment terms are available

Why choose us for Unique or Thatched Property Insurance?

We’ve been arranging insurance for barn conversions and thatched homes across the UK for more than 30 years. We’ve seen all sorts of homes and know that nothing is standard.

Whether your property is listed, has a thatched roof or both, we can assess the risks you face and make sure you have the right cover in place.

How Much Does Thatched Cottage Insurance Cost?

Every quote for unique property insurance is personalised to your home, in line with the specific risks you face. As such, every insurance premium is unique.

Whether you need buildings insurance, contents cover or both, you can rest assured that we will seek the most competitive premium for your needs. Plus, we will review your policy each year to make sure you’re getting the best price.

I have a wood-burner. Do I need to arrange a survey?

Yes, depending on the age and type of the flue, you will need a survey carried out by Thatch Fire Prevention. They will advise you about whether the wood-burning stove is safe to use in your thatched property in order to avoid fire risks.

What information do I need to get a Thatched Home Insurance Quote?

Not too much. We typically start the process by giving a quick quotation indication, which will give you an idea of the cost to protect your home and contents.

To produce a quote, we need to know:

• The thatched property address and postcode
• Year of construction
• Whether it’s your permanent residence
• Required building & contents sums insured (including any high-value items)
• History of flooding, subsidence, landslip, etc.
• Whether you have a mains electrical wiring report
• Whether you’ve had your chimneys swept (if used for burning wood or coal)
• Whether you have spark arrestors
• Whether you’ve made a claim in the past 5 years
• Your occupation, any unspent convictions and whether you have had home insurance cancelled, refused or terms imposed in the past.

If you’re happy with the indication and want to proceed, we’ll ask some follow-up questions to ensure that the cover is suitable for your requirements. These may alter the quotation slightly, but they ensure that you have exactly the right policy in place.

What happens if I need to make a claim on my Thatched Roof Insurance?

Simply give our Claims team a call. They’ll help you manage the process while liaising with your insurer so you can get back on your feet as soon as possible. 

Are there any special conditions I need to be aware of?

Yes, there are some conditions with Thatched Roof Insurance. For instance, if you use a stove, it could be subject to a survey, depending on when it was installed. You will also need to have the chimney swept and have a valid electrical report in place. Please check your policy for specific conditions. 

Can you insure properties that aren’t thatched?

Of course!

We can provide you with quotes for standard home insurance, as well as non-standard home insurance and high-value home insurance. Please contact us on 01603 788050 or johnalbion@onebroker.co.uk.

Thatch Insurance Testimonials