{"id":32847,"date":"2025-09-16T07:19:44","date_gmt":"2025-09-16T12:19:44","guid":{"rendered":"https:\/\/www.bbrown.com\/?post_type=insight&p=32847"},"modified":"2026-03-13T05:52:06","modified_gmt":"2026-03-13T10:52:06","slug":"what-to-look-for-in-a-thatched-house-insurance-policy","status":"publish","type":"insight","link":"https:\/\/bbrown.com\/uk\/insight\/what-to-look-for-in-a-thatched-house-insurance-policy\/","title":{"rendered":"What to Look for in a Thatched House Insurance Policy"},"content":{"rendered":"

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\n What to Look for in a Thatched House Insurance Policy\n <\/h1>\n\t\n <\/div>\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n\t\n[\/vc_column][\/vc_row][vc_section section_padding_top=”pt-5″ section_padding_bottom=”pb-5″ full_width=”stretch_row” el_class=”overflow-visible”][vc_row row_padding_top=”pt-4″ el_class=”overflow-visible overlapping-row”][vc_column el_class=”overlapping-column”][vc_single_image image=”32851″ img_size=”1082×439″ alignment=”center” css=”” el_class=”brand-rounded-corners-right”][\/vc_column][\/vc_row][\/vc_section][vc_row row_padding_top=”pt-0″ row_padding_bottom=”pb-0″][vc_column][vc_column_text css=””]If you own, or are looking to own, a property with a thatched roof, you may already know that you\u2019ll likely need to procure a more specific insurance policy than just regular home insurance.<\/p>\n

Thatched Roof Insurance<\/a> 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\u2019s important to make sure you\u2019re covered for as much as possible.<\/p>\n

In this article, we\u2019re discussing the top 3 things you should look for when taking out a thatched house insurance policy.<\/p>\n

For more information on this type of cover, check out our thatched property insurance FAQs<\/a>.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_padding_bottom=”pb-3″][vc_column]\n

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\n 1. Standard Roof Cover\n <\/h3>\n\t\n <\/div>[vc_column_text css=””]First and foremost, when looking at taking out Thatched Home Insurance, you\u2019ll need to make sure that you have standard roof cover.<\/p>\n

This protects you in the event of the \u2018usual\u2019 risks associated with roofs or property, such as storm damage, flood damage, and theft.[\/vc_column_text][\/vc_column][\/vc_row][vc_section section_padding_top=”pt-0″ section_padding_bottom=”pb-0″ css=”.vc_custom_1741777869073{margin-top: 0px !important;padding-top: 0px !important;}”][vc_row row_padding_bottom=”pb-4″ full_width=”stretch_row” content_placement=”middle” css=”.vc_custom_1741088111883{background: #002855 url(https:\/\/bbrown.com\/wp-content\/uploads\/2025\/02\/4be645659cbbb0f3bbb6de6614f07be2.png?id=12053) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}” row_title=”New CTA”][vc_column width=”1\/2″]\n

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\n Smart Cover Starts Here\n <\/h3>\n\t\n <\/div>[vc_column_text css=”” el_class=”text-white”]Insurance isn\u2019t one-size-fits-all. Let\u2019s explore options designed to match what matters most to you, with flexibility and clarity every step of the way.[\/vc_column_text]\t
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\n 2. Specialist Thatch Property Insurance Cover\n <\/h3>\n\t\n <\/div>[vc_column_text css=””]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.<\/p>\n

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.<\/p>\n

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.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_padding_bottom=”pb-3″][vc_column]\n

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\n 3. Additional Cover\n <\/h3>\n\t\n <\/div>[vc_column_text css=””]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.<\/p>\n

Additional cover can include (but isn\u2019t limited to):<\/p>\n