NFU Thatch Roof Insurance

See how NFU Thatch Insurance stacks up against the competition

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You could save up to £209*

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Compare thatch roof home insurance against leading insurers and see how much you can save!

How to get multiple home insurance quotes?

Complete online form: This should take under 5 minutes

Choose policy extras: add extra cover, for example, contents insurance.

Compare deals: use the smart filters to drill down on deals that meet your requirements

You decide: If you like the price, great; if you don’t, that’s fine too. No pressure

NFU Mutual Thatch House Insurance

NFU understands that no two houses are the same, and they use this as part of their marketing, with a slogan ” Whether you live in a town house, a listed building or a thatched cottage, we’ve got you covered”

What is NFU Mutual Thatch House Insurance

House or home insurance can be purchased together as combined buildings and content insurance. The buildings will protect the structure of the house and the all important thatched roof. Because this is a non standard house insurance, you must inform the potential insurance company that your buildings has a thatched roof.

Why choose NFU Mutual Thatch House Insurance

NFU will reward loyal customers with a Mutual Bonus, which provides a saving on the renewal premium of your General Insurance policy
UK-based call centre and over 295 agency offices offering a personal service.
No admin fees for policy changes or payments made by direct debit.

NFU Mutual Thatch Building Insurance Cover Includes

With NFU mutual, you can choose to only purchase buildings insurance. NFU Mutual thatch buildings insurance’s purpose is to cover the cost of rebuilding your property, including the thatch roof plus fixtures and fittings.

Alternative accommodation
Cover for legal liability
Optional: Accidental cover

NFU Mutual Thatch Defaqto 5 Star Rating

Who Else provides Thatch Property Insurance

With the growing popularity of thatching, there are now many Insurance companies that specialise in thatch property insurance on the internet. We have listed some of the ones often associated with Thatch insurance

Hiscox
Thatchline Insurance
County Insurance Services
Intasure
AJG thatch insurance ( Gallagher Insurance)
NFU Thatch Insurance

Check Policy Exclusions & Limitations

Most, if not all, thatched home insurance policies have a limit on how long a property can be left vacant and still have coverage. With some providers, the policy will not cover any claims if the property has been left empty for 30 consecutive days. Special empty house insurance policies are available if your thatched property will be left unoccupied for a significant period of time. A 30-day exclusion on a standard home insurance policy is very short, so check this clause before deciding on your provider.

What you need to get quotes at MultiQuoteTime.co.uk

To ensure you can quickly receive multiple home insurance options, please have the following information ready:

Property Details: Address of the property.

Property Type Commercial or dwellings or mixed commercial and residential

How many rooms does the property have and when was it built

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Thatched Roof FAQ’s

What type of thatch is cheapest to insure?

The cheapest type of thatch to insure is made with Norwich reed, which is the hardest wearing type of thatch.

How long will my thatch last before it should be replaced?

Thatch on a roof can last anywhere from twenty to sixty years before needing at least partially replacing. This depends mostly on the quality of the materials used, as well as the quality of the thatchers that installed the roof.

How can I reduce my thatch properties’ insurance premium?

There are measures you can take, such as agreeing not to use an existing wood fire, installing high-end smoke detectors, and updating your electric certificate. Other measures can be talked about and negotiated with your insurer.

Is House Insurance More Expensive With A Thatched Roof?

Thatched home insurance shoppers will expect to pay more for a thatch roof home insurance policy than their slate or tile roof counterparts. That is a simple fact that comes down to a few key factors that make thatch-roof houses more likely to incur a loss or for that loss to cost a bit more. Some, but not all, factors at play are the flammable materials, expensive labour costs and the requirement of extensive maintenance.

*51% of consumers could save £209.33 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next fourteen cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from December 2024. The savings you could achieve are dependent on your individual circumstances

Updated: 15 April 2025
Reviewed by Eamonn Turley Insurance Expert