Can I take out home insurance for a thatched roof?
Insuring a thatched roof can sometimes cause problems. A thatched roof looks beautiful and adds a lot of atmosphere, but it also carries extra risk. That's why insurers are a bit more cautious when it comes to insuring a thatched roof. That doesn't mean you can't insure your home. In fact, you can get home insurance for a thatched roof. Home insurance is a combination of contents insurance and building insurance.
Why is thatched roof insurance important?
A thatched roof is beautiful, of course, but it is also more of a fire hazard than, say, a tile roof. This is why home insurance for a home with a thatched roof is very important. Imagine a fire and a large part of your home goes up in flames. Without insurance, repairing or rebuilding your home will cost an awful lot of money. With home insurance, both your home and its contents are insured in case of damage caused by fire, for example. Good home insurance can save you skyrocketing costs.
Does an insurer impose conditions for insuring a thatched roof?
Because of the high risk, an insurer usually does impose some conditions for insuring a thatched roof. For example, an insurer may set 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 should be a spark arrestor on the roof
- Smoke detectors have
- Have lightning rods on the roof
These conditions may vary from one insurer to another. Therefore, always check this carefully in the policy conditions of your home insurance policy.
How much does home insurance with thatched roof cover cost?
Even when you meet the insurer's conditions, insuring a thatched roof remains risky. A thatched roof is more of a fire hazard than a tile roof. Therefore, you 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.
Take out home insurance for your thatched roof at Alpina
To be properly insured in case of damage, you can take out home insurance with thatched roof coverage. With home insurance you not only insure your home, but also your household contents. You can also expand the home insurance with, for example, liability insurance or legal assistance insurance. We call this a home insurance package.
Would you like to consult with one of our insurance specialists? Then be sure to contact us! You can reach us Monday through Friday from 8 a.m. to 6 p.m. at 088 - 6883700. You can also always send us a message via WhatsApp, Messenger or the chat function on the website.
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