Homeprotect

HomeProtect is a home insurance provider established in 2002 and based in South West London.

HomeProtect offers a range of specialist home insurance policies, including holiday home cover and cover for homes with a history of flooding.

HomeProtect is owned by Avantia Insurance Limited - a financial services technology platform which also owns 08000helpme.

Its policies are underwritten by large international insurers AXA and Ageas, which underwrite a number of brands' policies across a range of product areas.


Homeprotect
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Home insurance (building and contents)

Ranked 44th of 46 providers reviewed.

Customer happiness score 45.18%
Customer trust score 37.35%
Complaints performance 60.53%
Transparency rating 80.47%
Fairer Finance score
Reviewed Autumn 2023		 56%

Home emergency cover

Homeprotect

Home Emergency Cover (Upgrade)

3 stars
Home Security Cover i
Home Emergency Cover limit i £500.00
Primary Heating System i
Cover Type i Add-On
Internal plumbing and drainage i
Boiler breakdown cover i
Pest infestation cover i
Alternative Accommodation Cover i £300.00
Unoccupied period i 30
Annual boiler service i
Internal gas supply pipe cover i
Domestic Power supply covered? i
Claims limit i Unlimited

Homeprotect

Basic Home Emergency

1 stars
Home Security Cover i
Home Emergency Cover limit i £500.00
Primary Heating System i
Cover Type i Add-On
Internal plumbing and drainage i
Boiler breakdown cover i
Pest infestation cover i
Alternative Accommodation Cover i Covered under the home insurance policy
Unoccupied period i 30
Annual boiler service i
Internal gas supply pipe cover i
Domestic Power supply covered? i
Claims limit i Unlimited

Home insurance (building and contents)

Homeprotect

Basic home Insurance

3 stars
Alternative accommodation cover limit for buildings i £75,000.00
Theft from outbuildings i £1,500.00
Protection against inflation (Buildings)
Matching sets (contents) i 50% of the cost of replacing the undamaged parts
Contents compulsory excess i £99.00
Property owner liability i £5,000,000.00
Cancellation fee within 14 days i £0.00
Contents cover limit i Unlimited
Alternative accommodation cover limit for contents i £10,000.00
Buildings cover limit i £1,000,000.00
Cancellation fee after 14 days i £50.00
Liability to domestic employees i £5,000,000.00
Trace and access i £10,000.00
Keys/locks if lost or stolen (Buildings) i £750.00
Liability as a tenant i £5,000.00
Replace belongings new for old i
Flood excess i £100.00
Escape of water excess (minimum) i £500.00
Money in the home i £500.00
Visitor's possessions i £2,500.00
Office equipment i £3,000.00

Homeprotect

Full home Insurance

3 stars
Alternative accommodation cover limit for buildings i £75,000.00
Theft from outbuildings i £1,500.00
Protection against inflation (Buildings)
Matching sets (contents) i 50% of the cost of replacing the undamaged parts
Contents compulsory excess i £99.00
Property owner liability i £5,000,000.00
Cancellation fee within 14 days i £0.00
Contents cover limit i Unlimited
Alternative accommodation cover limit for contents i £10,000.00
Buildings cover limit i £1,000,000.00
Cancellation fee after 14 days i £50.00
Liability to domestic employees i £5,000,000.00
Trace and access i £10,000.00
Keys/locks if lost or stolen (Buildings) i £750.00
Liability as a tenant i £5,000.00
Replace belongings new for old i
Flood excess i £100.00
Escape of water excess (minimum) i £500.00
Money in the home i £500.00
Visitor's possessions i £2,500.00
Office equipment i £3,000.00

Buildings insurance

Homeprotect

Basic home Insurance

2 stars
Escape of water excess for buildings i £500.00
Matching sets (Buildings) i 50% of the cost of replacing the undamaged parts
Frozen pipes i
Underground pipes, cables and tanks i Covered as standard
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i £99.00
Unoccupied period i 30 days
Property owner liability i £5,000,000.00
Helpline i
Cancellation fee after 14 days (buildings) i £50.00
Amendment fee (telephone) i £25.00

Homeprotect

Full home Insurance

2 stars
Escape of water excess for buildings i £500.00
Matching sets (Buildings) i 50% of the cost of replacing the undamaged parts
Frozen pipes i
Underground pipes, cables and tanks i Optional
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i £99.00
Unoccupied period i 30 days
Property owner liability i £5,000,000.00
Helpline i
Cancellation fee after 14 days (buildings) i £50.00
Amendment fee (telephone) i £25.00

Contents insurance

Homeprotect

Basic home Insurance

2 stars
Matching sets (contents) i 50% of the cost of replacing the undamaged parts
Theft from outbuildings i £1,500.00
Cover for items away from home i Optional
Property owner liability i £5,000,000.00

Homeprotect

Full home Insurance

2 stars
Matching sets (contents) i 50% of the cost of replacing the undamaged parts
Theft from outbuildings i £1,500.00
Cover for items away from home i Optional
Property owner liability i £5,000,000.00