The vehicle flew over a hedge after coming off the road on a bend.
The driver, a 34-year-old man, has been arrested and is suspected of being under the influence of alcohol or drugs.
Val Fossey, who has lived in the house for 14 years, told the BBC she heard a noise “like an earthquake” when the van smashed into her property.
“This van came flying over a hedge and crashed into our hall and kitchen,” she said.
“If I had (not) left the room I don’t know what would have happened.”
The thatched cottage – in the village of Maulden – is a listed building.
Luckily, it has been found to be structurally safe and nobody was hurt, but Mrs Fossey and her husband are yet to learn when they will be allowed to return home.