Compare NFU Thatch Roof Insurance

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Last Update Feb 2023 by MultiQuoteTime Editorial Team

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 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

NFU Defaqto 5 star

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

Check Policy Exclusions & Limitations

Most if not all thatched home insurance polices have a limit on how long a property can be left vacant and still have cover. 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 polices 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 is in my opinion too short, so check this clause before deciding on your provider.

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. 

** MultiQuoteTime Ltd Does not recommend any insurance Companies. It is important that the property owner satisfies themselves that they are getting the cover they need for their own personal circumstances – undervaluation may affect the settlement in the event of claims. Services offered by this provider may change over time. Always check Ts&Cs.

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