What is the cost of insuring a thatched roof?
If you buy a property with a beautiful thatched roof, you naturally wonder what insuring such a property costs. Many people think that insuring a thatched roof is incredibly expensive. That's not necessarily true. The cost of thatched roof home insurance depends on a number of factors, such as the type of thatched roof you have. We've listed all the costs for insuring a thatched roof for you.
Determining factors for the cost of a thatched roof insurance policy
When determining the premium, insurers look at the construction type of the house, among other things. This is the material the walls and roof are made of. A thatched roof carries more risks in terms of fire. Therefore, you do pay a slightly higher premium for the insurance than when insuring a house with tiles. There are also a number of other factors that determine the premium for thatched roof insurance:
- The type of property
- The type of thatched roof (traditional or closed)
- The coverage chosen
- The rebuilding value
- The deductible
- Your hometown
What does thatched roof insurance cost on average per month?
The monthly cost of thatched roof insurance depends in part on the type of insurance you purchase. There are typically 4 types of coverage:
- Fire coverage;
- Comprehensive variety coverage;
- The comprehensive variety coverage plus;
- The all-risk coverage.
Depending on the coverage you choose, you can expect different types of premiums. All-risk coverage is the most comprehensive coverage and therefore the most expensive insurance.
In addition to the coverage you choose, the deductible also affects the amount of your premium. The amount of your deductible determines how much you pay yourself in case of damage. The higher the deductible, the lower the premium.
Save on the cost of a thatched roof insurance policy
You can save on the cost of a thatched roof building insurance policy. To do this, you need to take some preventive measures. For example, you can impregnate the thatch or install a sprinkler system. This humidifies the thatch from the inside, because ensures that fire cannot spread easily. Applying fire-resistant boards can also help. In addition, it is important to have an approved fire extinguisher in your home and maintain your thatched roof properly to minimize any storm and water damage. Further, you can install lightning rods and connect fire alarms to the alarm system. Finally, you can save on costs by getting your building and contents insurance from one insurer.
Calculate the cost of your thatched roof insurance directly
On Alpina.nl you can directly calculate the premium for your roof insurance thatched roof. In our handy online comparer, you enter a number of details about your home. Next, you get an overview of all the roofing insurance companies that match your home and wishes. Then you can compare all providers on price and content. Have you found the right home insurance? Then you can take out the insurance directly online.
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