Thatched Properties, Conversions & Unique Property Insurance

Owning a thatched property is a lifestyle choice that epitomises the charm of quintessential British countryside living.

Thatched buildings, by their very nature, call for a great deal of dedication, maintenance and time, and we believe the quality of your buildings insurance policy should reflect that.

Thatched properties are often also listed, which means they require the utmost due care and attention when it comes to ensuring your investment is adequately protected. Unfortunately, due to these increased levels of complexity and the inherent risks involved, many household insurance companies choose to avoid thatched properties altogether.

Our account executives welcome the opportunity to be the port of call to assist in insuring your thatched property where other markets shy away.

We work closely with carefully selected insurers who specialise in providing insurance for thatched properties. They will arrange for chimney surveys to be undertaken and provide indispensable advice on fire protection to ensure any potential loss is mitigated to the highest possible degree. Our thatch policies can be catered to provide sensible levels of insurance cover for any type of thatched risk, whether your main home, second home, holiday home, let or even unoccupied property.

We ensure that all circumstances have been considered, so you can enjoy your beautiful thatched home with the peace of mind that you are well prepared should the worst happen.

Whether listed or not, Lumley Insurance have recognised that many prestigious and unique homes in the UK are deemed to be of ‘non-standard’ construction and therefore more exposed to certain risks than an average home. As a result, this can pose problems when attempting to source insurance to suitably cover your needs.

Whether you own a historic wattle and daub cottage, an ultra-modern HUF house or a thatched countryside retreat, we have a market available to accommodate your property’s individuality, without restricting you for wanting something out of the ordinary.

What is ‘non-standard' construction’?

Examples of buildings that may be considered non-standard or specialist could include:

  • Thatched properties

  • Timber framed properties

  • Steel framed properties

  • Converted Barns

  • Converted Windmills

  • Converted Mills

  • Eco-houses

  • HUF houses and other glass panelled houses

  • Historic constructions types such as cob, wattle and daub

If you are unsure whether your property qualifies as 'non-standard' or are experiencing difficulty in insuring it, an experienced member of the Lumley team would be happy to discuss your options and advise on the most suitable course of action.