Activate Insurance
Specialist Insurance for Thatched Properties & Public Houses
Thatched Properties Insurance Quote
It’s quick and easy to get a quote. Click here to fill out the form or during work hours feel free to e-mail [email protected] – or call:
01953 711564
Specialist Insurance for Thatched Properties & Public Houses
Owning a thatched home or running a thatched pub comes with unique challenges, but your property is more than just a building, it’s part of your life, local community, and quite possibly national heritage.
Our specialist insurance protects it from fire, historic building risks, and property-specific hazards, providing clear, personalised cover that safeguards not only your property, but also its place in your family, community, and long-standing heritage.
Why Choose Us
- Long standing experience insuring thatched properties and thatched pubs across the UK
- Partnerships with leading A-Rated, UK Based Insurers for comprehensive cover
- Thatched Property Insights – as members of the Thatch Advice Centre, we share key resources such as the following Thatch Fire Safety Leaflet to support thatched property owners with effective risk management.
- Partnering with Master Thatchers for Roofing Expertise – We work with regional Master Thatchers who understand the unique craft and risks of thatched roofing
- Rebuild Support – we can also offer tailored rebuild cost assessments, including desktop surveys for Grade II listed properties, ensuring accurate sums insured and accounting for specialist materials and traditional construction methods to minimise underinsurance.
- A commitment to offer clear, transparent cover without the jargon and any call centres
Insurance for Thatched Homes
Protecting a thatched home requires specialist knowledge of historic materials, fire risks, and rebuild costs. Our policies include:
Property & Contents Insurance
Covers your thatched buildings, outbuildings, and all contents including antiques or collections, ensuring your home is fully protected.
Rebuild Cost Assessment & Historic Building Protection
Ensures accurate coverage for repairs or restoration, considering traditional materials, heritage status, and listed buildings; for Grade II Listed properties only.
Fire, Chimney & Heating System Protection
Protects against risks from open fires, wood burners, chimneys, and other traditional heating systems.
Insurance for Thatched Pubs
Running a thatched pub combines heritage, business, and operational risks. Our tailored coverage can include:
Property & Contents Insurance
Protects the building, fixtures, fittings, outbuildings, general contents along with stock
Public & Employers’ Liability
Covers injury or property damage claims from customers or staff, ensuring smooth day-to-day operations.
Loss of Licence Cover
Provides financial security if your pub licence is suspended or revoked.
Business Interruption Insurance
Compensates for lost income after fire, flood, or enforced closure, supporting a swift recovery.
Equipment & Electrical Cover
Safeguards bar, kitchen, refrigeration, lighting, and other essential equipment.
Combined Property & Pub Package
Combines property, contents, liability, fixtures, and stock into one comprehensive, convenient policy.
Get Your Tailored Quote Today
– Get in touch with the team
Protect your property or pub with clear, competitive insurance from trusted A-Rated, UK insurers, Call 01953 711565 or email [email protected] or submit your details online for a no-obligation quote, no call centres, no jargon just simple transparent support.
Frequently Asked Questions
Why is insurance for thatched properties different from standard home insurance?
Thatched properties carry a higher fire risk and often have unique building materials and structures. Standard policies may not cover these risks adequately. Specialist insurance ensures your thatched home is fully protected, including your roof, historic features, and specific fire and maintenance risks.
Do I need specialist coverage for open fires and wood burners?
Yes. Open fires, wood burners, and traditional heating systems increase the risk of fire in thatched homes. Specialist insurance includes coverage for these heating methods, chimney maintenance, and accidental damage, helping you stay compliant and protected.
What is rebuild cost assessment, and why is it important?
A rebuild cost assessment calculates the true cost to repair or rebuild your thatched property after damage. Accurate assessments prevent underinsurance and ensure your policy covers the full cost of restoration, including specialist materials and labour. For Grade II properties only.
How do Master Thatchers and the Thatch Advice Centre help with insurance?
We work with regional Master Thatchers and are members of the Thatch Advice Centre. This gives us expert insight into the risks, maintenance, and restoration needs of thatched properties, helping to create policies tailored to your property.
Are there additional safety requirements for thatched properties?
Yes. Insurance providers often require regular roof inspections, chimney sweeping, and fire safety measures such as spark arrestors on chimneys. Meeting these standards can reduce premiums and ensure your coverage remains valid.
Can insurance cover traditional pubs or commercial thatched buildings?
Absolutely. Specialist policies are available for thatched pubs, inns, and other commercial properties. Coverage includes public liability, business interruption, property protection, equipment, and rebuild cost assessment for Grade II properties, tailored to the unique needs of your venue.