Your guide to thatched house insurance
Our guide to thatched insurance can help you understand the basics and specifics of insuring a thatched home. Questions answered include:
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- Why do you need a specialist thatched home insurance broker? How can our expertise help you find the correct type of cover for your thatched property?
- Understanding ‘sums insured’; the impact of underinsurance; and the difference between the rebuild value and the market value – which one do you base your sums insured on?
- Which questions will your insurer ask about your thatched roof, chimney, fireplaces, and electrics?
Download your free guide today!
Our guide includes thatch terminology, traditional building methods, and other character home quirks seen through the eyes of insurance experts. This guide will help you understand how to keep your home protected in the event of a claim – come home emergency, fire or accidental damage.
Read our guide and you’ll be able to…
✓ Better understand the main elements of insurance and how you can arrange your policy more effectively
✓ Answer questions and criteria asked by insurers when arranging thatch insurance
✓ Identify safety measures you can take to protect your thatched home
✓ Arrange an insurance policy that best fits your property
Download our Guide to Thatched Insurance now: https://lloydwhyteheritage.com/thatch-home-insurance/
Why is insurance for thatched homes different from standard homes?
Insurance for thatched homes differs from policies for homes with modern roofs. Insurers can sometimes view thatched properties as higher-risk compared to standard-construction homes. Additionally, the need for regular maintenance and specialised repairs can make thatched properties more complex to insure.
What factors can affect thatched home insurance premiums?
Several factors contribute to the premiums and coverage for thatched roof properties. One of the most significant factors is the location of the home. The age and condition of the thatched roof are crucial. Older roofs are more likely to suffer from wear and tear, requiring regular upkeep or even replacement. Homes with well-maintained roofs and an up-to-date fire safety system such as fire and smoke detectors can stand you in good stead with your insurer.
The type of thatching material used also affects the insurance premium. For example, reed thatching is generally more durable and fire-resistant than straw, which may influence the risk assessment. Additionally, the presence of safety measures, such as firebreaks, or fire-resistant treatments, can help reduce insurance costs.
What does thatched home insurance cover?
Like standard home insurance, thatched home insurance typically provides coverage for building and contents. This might cover the costs of repairs or replacement in case of damage due to fire, weather conditions, or theft of contents. Many insurers will require that as a homeowner, you maintain your thatched roof to a certain standard, which can include regular inspections.
Being a custodian and owner of a heritage property comes with certain responsibilities. Arranging the correct level of thatched house insurance to protect your piece of history is crucial. The distinct characteristics of thatched roofing make it essential for homeowners to seek out specialised insurance policies. By working closely with your insurance broker and maintaining the roof in good condition, you can ensure your thatched home remains a safe, secure, and cherished place to live.
To discuss your thatched home insurance with us, get in touch today. Our specialist team for thatched home insurance are more than happy to help you with any questions or provide you with a new insurance quote.
For a new quote please call: 01823 250780
To discuss your existing insurance with us call: 01823 250702
Or email: thatch@lloydwhyte.com
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