Our Customers Love Us!

Property Insurance

Get a Quote.

Choose from our range of insurances below

Home / Property Insurance / Thatched Insurance for UK Homes and Buildings

Thatched Insurance for UK Homes and Buildings

Guide to Thatched Insurance for UK Homes

Thatched insurance for a property that is used as a main residence, let or holiday home is available for buildings up to a rebuilding sum insured of £300,000. All cases are considered on their merits and additional questions will have to be answered over and above the standard building insurance quote questions to ascertain if thatched insurance for your home can be provided. Before providing a quotation for thatched insurance, we will need to know, the make and type of covering used on the property and ultimately when the roof was last inspected by a Thatcher, we will need you to confirm that the roof covering is in a good state of repair.

With any thatched building, there is an increased chance of fire and because of this, this type of risk normally warrants an additional premium or, as is all too often, a straight decline by an insurance company. There are a number of measures though, that can be taken by thatched home owner, which can help reduce the chances of a loss and improve the chances of an thatched insurance quotation being secured. (We consider each thatched insurance quotation on it’s merits).

One factor in the incidents of fires at a thatched building, relates to the burning and storing of wood at the property. Our insurance provider will ask questions relating to this issue. The burning of sap in “Green woods” is the main cause of tar deposits building up within a chimney. These tar deposits can contribute to an increased chance of a fire at the property. Burning seasoned wood in the home is safer and provides better value for money as it gives off more heat. By using this type of wood you will help to minimize the building up of tar in the chimney at your thatched home. There are a number of ways you can season your own wood, outside storage is probably the best and the most economical way, this will expose the timbers to the elements such as sun & wind and will dry it out correctly, the wood should be protected though from the rain. You can dry wood in doors but this may lead to “sweating” and the sap will condense of the surface instead of being removed.

In a thatched home, the chimney stack can often be buried deep in the thatch and sometimes in an attempt to reduce the risk of fire; the stack is raised but this does not normally reduce the insurance risk or the chance of a fire. If the Thatch is more than a metre thick around the chimney, this represents a potential fire hazard. In requesting a quotation for thatched insurance, is useful if you know the height of the thatch around the chimney.

Lastly, fitting smoke detectors to your home is very worthwhile, in some cases, these devices can be obtained free of charge. However, they are cheap to buy from any good DIY outlet and are very easy to fit. If you do live in a thatched building and want advise on helping to protect your home, your local fire department should only be too pleased to assist you. We welcome your enquire for thatched home insurance.

Contact Assetsure for a Thatched Building Insurance quote.

Latest News & Advice

Britain needs more Flats

Britain needs more Flats

We can trace the need to convert houses (including other buildings, not originally designed to be used as domestic dwelling homes) in to flats, back at least 150 years and possibly even further back to the time of the industrial revolution, which occurred in Great Britain during the late eighteenth and early nineteenth century....

Woodworm Dry Rot

Woodworm Dry Rot

Woodworm, Dry Rot and Wet Rot. One of the most costly maintenance problems for homeowners is woodworm, dry rot and wet rot. If left untreated it can huge amounts of damage to the interior of your home. There are treatments and remedies to prevent it’s spread and to eliminate the problem it becomes critical. Woodworm is most commonly caused by the furniture beetle which leave larvae boreholes inside the major woodwork elements of a property. These area include the roof timbers, joists, staircase and floorboards. Woodworm can also infest ordinary household furniture causing a home insurance claim problem....

When Kids Leave

When Kids Leave

When Kids Leave Home and Go to University. When children leave home, either on a permanent or semi permanent basis, some attention needs to applied to your home insurance policy. One of the first reasons, children leave home is to attend college or university, in the first year, many opt to live in the halls of residence or some will move in to a rental property with perhaps some friends. Which ever, they choose; you will need to make sure that you have adequate insurance for them. Although there are some specialist student insurers, in some cases it is possible to extend a buildings and contents home insurance policy to include children’s belongings whilst they are away at college or university. If you decide to take this option, you will need to check the level of cover on offer, the amount provided may be on the low side as possibly could be single article limit. It will be no good accepting a policy with a single article limit of £500 if you child has a £1000 laptop....

I want to insure...Hide X

    Get a Quote