Can I get buildings and contents insurance for a home with a thatched roof?

14 Oct 2026, 09:54
Q A Reader Asker

Can I get buildings and contents insurance for a home with a thatched roof?

A CoverWise Team Answered by

Yes, but standard home insurance policies may not cover thatched properties, so you may need a specialist buildings and contents policy. Insurers commonly ask about the thatch type and age, roof construction, listed-building status, heating arrangements, chimney maintenance and the distance to nearby buildings. Make sure the buildings sum insured reflects the cost of rebuilding with suitable materials, while contents cover reflects the value of your belongings. Compare specialist policies and check the terms with an FCA-authorised provider, particularly any requirements for inspections, fire precautions or regular maintenance.

This Q&A is editorial content produced by the CoverWise team. It does not guarantee any individual outcome.
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