Thatched Roof Buildings Insurance UK | Specialist Cover for Listed Properties
Comprehensive buildings insurance designed specifically for thatched properties. Protect your home's structure, thatched roof, and outbuildings with specialist cover that understands your unique needs.
What's Covered
Our buildings insurance provides comprehensive protection for your thatched property.
Key Features
What makes our buildings insurance different for thatched properties.
- Thatched roof cover including fire, storm, and impact damage
- Full rebuild cost cover for listed and period properties
- Outbuildings, garages, and boundary walls
- Alternative accommodation if your home becomes uninhabitable
- Emergency repairs and temporary protection
- Debris removal and site clearance
- Professional fees (surveyors, architects, etc.)
- Cover for traditional building materials and methods
Understanding Rebuild Costs for Thatched Properties
Accurate rebuild valuations are essential for proper buildings insurance cover.
Why Rebuild Costs Are Higher
Thatched properties typically cost significantly more to rebuild than standard homes. This is due to:
- Specialist materials: Thatched roofs require specific materials (water reed, combed wheat reed, or long straw) that are more expensive than standard roofing materials.
- Skilled trades: Qualified thatchers are limited in number and command premium rates. Learn more about thatched roof costs per square metre.
- Listed building requirements: Grade II listed properties must use traditional materials and methods, which increases costs.
- Extended rebuild times: Thatched roof work is weather-dependent and time-consuming, increasing labour costs.
Important: Rebuild Cost vs Market Value
For thatched properties, especially listed buildings, the rebuild cost is often significantly higher than the market value. This is because traditional materials, specialist trades, and listed building requirements make restoration expensive. We'll help you determine the correct rebuild value to ensure you're not underinsured.
Buildings Insurance for Listed Thatched Properties
Specialist cover that understands the unique requirements of Grade II listed buildings.
Listed Building Status
Many thatched properties are listed (Grade I, II, or II*). Our policies understand the additional requirements for repairs using traditional materials and methods, and the involvement of conservation officers.
If you own a listed property, see our Grade II thatched cottage insurance checklist for comprehensive guidance on preparing for insurance quotes.
Fire Safety Requirements
Thatched roofs have specific fire risks. Our policies include appropriate cover for fire damage, and we can advise on fire safety measures that may help reduce your premium.
See our guides on chimney regulations for thatched properties and what insurers look for regarding fire risk.
Get Buildings Insurance for Your Thatched Property
Get a quote today and discover why thousands of thatched property owners trust us with their buildings insurance.
Or explore combined buildings and contents cover