What to Look for in a Thatched House Insurance Policy
If you own, or are looking to own, a property with a thatched roof, you may already know that you’ll likely need to procure a more specific insurance policy than just regular home insurance.
Thatched Roof Insurance is a specialist insurance policy that covers the unique risks posed by having an unconventional home with a thatched roof. Since these types of properties are fairly unique (around one in every 25,000 UK homes has a thatched roof), it can be difficult to find comprehensive cover. Often, this type of cover is more expensive due to the risks of these properties, but despite this, it’s important to make sure you’re covered for as much as possible.
In this article, we’re discussing the top 3 things you should look for when taking out a thatched house insurance policy.
For more information on this type of cover, check out our thatched property insurance FAQs.
1. Standard Roof Cover
First and foremost, when looking at taking out Thatched Home Insurance, you’ll need to make sure that you have standard roof cover.
This protects you in the event of the ‘usual’ risks associated with roofs or property, such as storm damage, flood damage, and theft.
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2. Specialist Thatch Property Insurance Cover
What differentiates thatched roof insurance from regular Home and Contents Insurance is the specialist aspect that protects you against the risks specific to this type of property.
Thatched roof properties have an increased fire risk, meaning they require extra cover. This is because, in the case of a fire on your property, extra materials and specialists are required to fix any damage.
Thatched roof homes, also tend to be older and have more complex risks than other properties. This also means that when you take out your thatched house insurance policy, you will likely be asked to have a thatch survey carried out.
3. Additional Cover
Additional cover, in the case of thatched roof insurance, refers to regular home insurance cover, and any optional extras that you decide to add on.
Additional cover can include (but isn’t limited to):
- Buildings and contents insurance
- Accidental damage
- Legal expenses
- Liability cover
Thatch Insurance Specialists
You can get your thatched house insurance from Brown & Brown. We have a specialist team that will take the time to understand your needs and help to find an insurer that offers a comprehensive policy.
If you have any questions about thatched house insurance, call our team on 01458 67 5568 or click the call back button for a quote today. For specialist thatch insurance, let’s talk 01458 67 5568.