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Thatched Home Insurance
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Thatched home insurance
A thatched cottage is probably the quintessentially English country home. Even a partly thatched house has a certain appeal and interest that is likely to elevate it above its conventionally-roofed neighbours.
It is not so long ago that thatch was so out of the ordinary – it was the most common roofing material until the end of the 19th century, say many sources.
Thatch has fallen out of favour as the universal roof covering because of home owners’ perceived risks of easily spread fire which results in devastating damage to the entire building.
That perception of increased risk is one seemingly shared by many standard home insurance companies, which decline cover for thatched buildings – or substantially increase the cost of premiums for the normal risks covered.
Purpose designed thatched home insurance, on the other hand, is specially written to provide all the protection you require – at a competitive price.
Why do you need specialist thatched home insurance cover?
Acknowledging that fire in a thatched roof may lead to devastating damage, the Society for the Protection of Ancient Buildings (SPAB) insists that the material burns relatively slowly and rarely poses a threat to life.
Nevertheless, the straw or reeds from which the roof is made are relatively expensive to source and highly skilled labour is necessary for the job of rethatching. Repairs and reinstatement of any thatched roof in the event of damage or a total loss, therefore, are likely to be costly.
In the case of a thatched home which is also a listed building, thatched building insurance also needs to take into account the additional expenses likely to be incurred when ensuring that any repairs or reinstatement comply with strict planning regulations.
Contents insurance for thatched cottages
It is not only the thatched building insurance which needs to reflect the special nature of the roofing material, but the contents of your thatched cottage may also need the specialist protection of purpose designed insurance cover.
Because of the increased risk of loss or damage, standard home insurers may impose restrictions on the amount it is possible to claim following an insured event – even though the contents are likely to reflect the typically high value of homes with the appeal and market desirability of a thatched building.
With the specialist high net worth home insurance arranged here at UKinsuranceNET, therefore, you might appreciate contents cover of up to £75,000 provided by Prestige Home insurance, up to £150,000 cover provided by Ultra Home insurance or the especially generous limit of up to £250,000 offered by Ultimate Home insurance.
Why choose us at UKinsuranceNET?
We are one of the UK’s leading independent insurance brokers.
Our recognition has been won not only by the insurance industry as a whole, but also by our thousands of existing customers who value the excellence of service we have made it our mission to provide.
That first-class service is matched by the top-rate insurance products we offer – including a wide range of properties of non standard construction, such as your own thatched home. Unrivalled quality is ensured by virtue of policies’ Defaqto 5-star ratings.