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Thatched Property Insurance
Tailored insurance for your unique home or property with a thatched roof.
What Is Thatched Property Insurance?
Finding property insurance for your thatched property or cottage can be difficult due to several risk factors including:
- Discolouration or rotting of the thatch
- Leaks from rain and wind damage
- A greater fire risk
- Vermin, bird damage and wildlife nesting
It’s important you have a policy that can provide specialist coverage that’s flexible and more accommodating compared to a standard home insurance policy.
Our specialist team at Jensten Insurance Brokers can arrange thatched property insurance to manage the unique risks your unique type of construction faces.
Need Thatched Property Insurance?
For comprehensive Thatched Property Insurance
What does Thatched Property Insurance cover?
Why use Jensten
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A team of brokers who can advise on your property insurance needs
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We are the trusted broker to Property Professionals.
Flexibility
Tailored insurance to the needs of your business
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Our team of UK-based insurance experts are here to help, Monday – Friday, 9am -5pm.
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- 0800 368 9018
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Thatched Property Insurance Explained
Thatched property Insurance policies can often contain more policy conditions than standard home policies. If you don’t keep up with these, you could find yourself facing difficulties in the event of a claim.
These can include:
- Woodburning stove conditions
- Fire extinguisher requirements
- Smoke detection requirements
- Electrical checks
- Regular chimney sweeping
By working with a broker like Jensten Insurance Brokers, we will explain any policy conditions and exclusions to you.
What do I need to get a Thatched Property Insurance quote?
We will reach out to our insurer partners to obtain a quote for your property. The information required may vary, but some of the basic information needed will include:
- Your thatched roof property address and postcode
- The year of construction
- Whether it’s your permanent residence
- Required building and contents sums insured (including any high-value items)
- Any history of flooding, subsidence or landslip
- Your mains electrical wiring report
- Whether you’ve had your chimneys swept
- Whether you have spark arrestors
- Your claims history
- Your occupation
- Any unspent convictions
- If you’ve ever had home insurance cancelled, refused or terms imposed in the past
For some tailored insurance help, please contact the Jensten Motor Trade team today or call them on 0208 298 2100.
Need Thatched Property Insurance?
For comprehensive Thatched Property Insurance
Thatched Property Insurance
To help you get the protection you need, here are our frequently asked questions about Thatched Property Insurance. We hope they will help, but if you’d like some independent advice, please call us on 0800 368 9018, and we’ll be on hand to help.
What information do I need to provide to get a Thatched Property Insurance quote?
To obtain an accurate thatched roof property insurance quote, we will liaise with our insurer partners on your behalf. The essential information typically required includes:
- Your thatched property address and postcode
- The year your thatched house was constructed
- Whether the property is owner occupied or a holiday home
- The required buildings insurance and contents insurance sums insured (including any high-value items)
- Any history of flooding, subsidence, or landslip affecting the property
- A recent mains electrical wiring report
- Confirmation that your chimneys have been swept regularly, usually annually
- Whether your chimney has spark arrestors fitted
- Your claims history and any previous insurance claims
- Your occupation
- Any unspent convictions
- Whether you have ever had home insurance cancelled, refused, or had special terms imposed
How much does Thatched Property Insurance cost?
Each thatched property insurance quote is personalised to reflect the specific risks of your property, so the insurance premium will vary accordingly. Factors influencing the cost include the rebuild value, type of thatch (such as water reed, long straw, or wheat reed), whether the property is listed, and the presence of specialist materials.
Are thatched properties more expensive to insure?
Yes, thatched property insurance tends to be more costly than standard cover for tile roof homes due to the higher fire risk associated with natural thatching materials and the specialist skills and materials needed for repairs. Many thatched roof properties are listed buildings, which can also increase home insurance premiums because of the higher rebuild value and repair complexities.
How often do I need my chimneys swept?
Typically, chimneys in thatched roof houses must be swept annually to meet policy conditions and reduce fire damage risks. Regular chimney maintenance is vital, especially if you use wood burners or open fires, to ensure your Thatched property insurance remains valid.
What does a Thatched Property Insurance Policy include?
A comprehensive thatched property insurance policy includes buildings insurance to cover the structure of your thatched home, including specialist materials, and contents insurance to protect your valuable possessions. Optional extras, such as accidental damage cover and home emergency assistance, can often be added to provide the right cover tailored to your specific risks.