While living in a home with a thatched roof might be a romantic ‘dream come true’, finding affordable insurance can be a nightmare. Standard home insurers generally aren’t interested and either inflate premiums or refuse to offer cover altogether. However, it’s not all doom and gloom; Quoteline Direct has a specialist ‘non standard’ insurance team that’s dedicated to helping you find the right insurance at the right price.
Thatched roofs have been around since the dawn of time, and it’s easy to see why. They are attractive, ecologically sound and they provide great insulation. However, they do require substantial investment in terms of build, maintenance and insurance.
If you own a thatched property you can reasonably expect to pay higher insurance premiums, but you may be surprised to learn exactly why. There are obvious concerns about the thatch catching fire, especially in homes with wood burning stoves or open fires, and while the risks are greater; it’s the cost of rebuilding that really bumps-up premiums. Because most thatched buildings are historic (or listed) the cost of restoring them to their original state after an insurance claim are significant.
However, just because you own a thatched property; it doesn’t mean that your insurance premiums have to go through the roof. We have access to a carefully chosen panel of specialist thatched roof insurers, allowing us to get a number of competitive quotes tailored to your individual needs. And because we are industry experts; we could help to further cut the cost of cover. Policy details vary from property to property, but commonly include:
To find out more about how Quoteline Direct can help you find sensibly priced thatched property insurance call our dedicated ‘non standard’ home insurance department on Tel: 0161 874 4171 or fill-in our online contact form.