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Can I take out home insurance for a thatched roof?

Insuring a thatched roof can sometimes cause problems. A thatched roof looks beautiful and gives a lot of atmosphere, but it also brings extra risks with it. That is why insurers are more reticent when it comes to insuring a thatched roof. This does not mean that you cannot insure your home. You can take out home insurance for a thatched roof. Home insurance is a combination of home insurance and building insurance.

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home insurance thatched roof

Why is thatched roof insurance important?

A thatched roof is of course beautiful, but it is also more prone to fire than, say, a tiled roof. That is why a home insurance for a house with a thatched roof is very important. Imagine that a fire breaks out and a large part of your home goes up in flames. Without insurance, repairing or rebuilding your home will cost a lot of money. With home insurance, both your home and your possessions are insured in the event of damage caused by fire, for example. Good home insurance can save you huge costs.

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Does an insurer impose conditions for insuring a thatched roof?

Due to the high risk involved, insurers usually stipulate a number of conditions for insuring a thatched roof. For example, an insurer may impose the following conditions. You must:

  • Have an approved fire extinguisher
  • Have the chimney swept at least once a year
  • Having a stone house. Wooden houses with a thatched roof are often not insured.
  • Have fire-resistant cladding on the roof
  • If you have a fireplace or wood stove, there must be a spark arrester on the roof
  • Smoke detectors have
  • Have lightning rods on the roof

These conditions may differ from one insurer to another. Always check this carefully in the policy conditions of your home insurance.

How much does home insurance with thatched roof cover cost?

Even if you meet the insurer's conditions, insuring a thatched roof is still risky. A thatched roof is more of a fire hazard than a tile roof. Therefore, you will pay more premium for a home with a thatched roof than for, say, a row house with a brick roof. The cost of home insurance with thatched roof coverage depends on a number of factors. For example, the amount of the premium obviously depends on the type of insurance and coverage you take out. In addition, your place of residence, the value of your home with a thatched roof and your living situation are important. On Alpina.nl you can easily calculate an indication of the premium for your home insurance.

Get residential insurance for your thatched roof from Alpina

To be well insured against damage, you can take out home insurance with thatched roof cover. With a home insurance you not only insure your house, but also your household effects. You can also extend the home insurance with for instance liability insurance or legal assistance insurance. We call this a home insurance package.

Would you like to consult one of our insurance specialists? Then don't hesitate to contact us! You can reach us from Monday to Friday from 08:00 to 18:00 on 088 - 6883700. You can also send us a message via WhatsApp, Messenger or the chat function on the website.

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