Specialist Protection for Unique and Historic Buildings

At Activate Insurance Brokers, we recognise that thatched properties—whether charming homes or historic public houses—require specialised insurance solutions. Thatched buildings are beautiful and full of character but also come with unique risks that standard insurance policies may not fully cover.

We can assist with tailored insurance cover designed to protect your thatched property, ensuring your home or public house is safeguarded against the unexpected.

 

What Makes Thatched Properties Different?

Thatched roofs are made from natural materials like straw or reed, which give these properties their distinctive look but also increase certain risks, including:

• Higher fire risk due to flammable roofing material
• Increased vulnerability to weather damage
• More complex and costly repairs and maintenance
• Specialist rebuilding requirements to preserve the property’s character

For thatched public houses, additional considerations include business interruption, liability risks from customers, and the need for commercial property cover.

 

Why Do You Need Specialist Insurance for Thatched Properties?

Standard home or commercial insurance policies may not adequately cover the unique risks and repair costs associated with thatched buildings. Without the right insurance:

• You may face higher premiums or exclusions for certain risks
• You could be underinsured when specialist repairs are needed
• Liability exposures in public houses could be uninsured, including slips, trips, or other public risks

Specialist insurance provides the tailored protection you need for peace of mind.

Fire and Perils Cover

Comprehensive protection against fire, storm, flood, escape of water, and accidental damage.

Reinstatement Cover

Ensures funds are available for specialist repairs or full rebuilding in line with traditional materials and methods.

Public Liability Cover (for Public Houses)

Protects against claims arising from injury or property damage to customers and visitors.

Business Interruption Insurance

For thatched pubs, covers loss of income due to damage or forced closure.

Flexible and Tailored Policies

Customised to reflect your property’s specific risks, location, and value.

Who Should Consider Thatched Property Insurance?

• Owners of thatched homes and cottages
• Proprietors of thatched public houses and inns
• Landlords of historic or period properties
• Anyone requiring specialist cover for unique buildings