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.

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

Home emergency cover

2 products reviewed

Boiler Breakdown Cover

2 products reviewed

Homeprotect

Basic Home Emergency

Feature Value
Minimum excess
£0.00
Premium (minimum excess applied)
N/A
No claims period (Boiler)
0.00
Boiler repair cover limit
£0.00
No claims period
0.00 days
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less.
£0.00
Getting access and reinstatement
£0.00
Type of pricing
Comes as standard with home insurance
Maximum excess
£0.00
Premium (maximum excess applied)
N/A
Underwriter
ARAG Legal Expenses Insurance Company Limited
Unoccupied period
30
Individual call out cover limit for boiler repairs
£0.00
Time limit
N/A
Temporary emergency heating
£0.00
Boiler age exclusions
No exclusion
No claims period for boiler replacement
0.00
Boiler replacement (BER) within 0-4 years cover limit
£0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less.
£0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less.
£0.00
Boiler replacement (BER) within 8-10 years cover limit
£0.00
Boiler replacement (BER) 11-15 years cover limit
£1.00
Primary flue No
Boiler controls
Not Mentioned
Alternative accommodation cover
Covered under the home insurance policy
Internal gas supply pipe cover Yes
Annual boiler service No
Repairs guarantee
Not Mentioned
24/7 claims helpline Yes
Primary heating system No
Date of price collection
2026-03-03
Plumbing & drainage cover Yes
Electrical breakdown Yes
Pest Yes
Security Yes
Homeprotect

Full Home Emergency Cover

Feature Value
Minimum excess
£0.00
Premium (minimum excess applied)
£4.42
No claims period (Boiler)
7.00
Boiler repair cover limit
£500.00
No claims period
7.00 days
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less.
£0.00
Getting access and reinstatement
£0.00
Type of pricing
Static
Maximum excess
£0.00
Premium (maximum excess applied)
£4.42
Underwriter
ARAG Legal Expenses Insurance Company Limited
Unoccupied period
30
Individual call out cover limit for boiler repairs
£500.00
Time limit
N/A
Temporary emergency heating
£0.00
Boiler age exclusions
No exclusion
No claims period for boiler replacement
7.00
Boiler replacement (BER) within 0-4 years cover limit
£0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less.
£0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less.
£0.00
Boiler replacement (BER) within 8-10 years cover limit
£0.00
Boiler replacement (BER) 11-15 years cover limit
£1.00
Primary flue Yes
Boiler controls
Not Mentioned
Alternative accommodation cover
£300.00
Internal gas supply pipe cover Yes
Annual boiler service No
Repairs guarantee
Not Mentioned
24/7 claims helpline Yes
Primary heating system Yes
Date of price collection
2026-03-03
Plumbing & drainage cover Yes
Electrical breakdown Yes
Pest Yes
Security Yes

Home insurance (building and contents)

10 products reviewed

Buildings insurance

2 products reviewed

Homeprotect

Basic home Insurance

Feature Value
Escape of water excess for buildings
£500.00
Matching sets (Buildings)
50% of the cost of replacing the undamaged parts
Frozen pipes Yes
Trace and access
£10,000.00
Underground pipes, cables and tanks
Optional
Homeprotect

Full home Insurance (With additional key cover)

Feature Value
Escape of water excess for buildings
£500.00
Matching sets (Buildings)
50% of the cost of replacing the undamaged parts
Frozen pipes Yes
Trace and access
£10,000.00
Underground pipes, cables and tanks
Optional
Contents insurance

2 products reviewed

Homeprotect

Full home Insurance (With additional key cover)

Feature Value
Matching sets (contents)
50% of the cost of replacing the undamaged parts
Theft from outbuildings
£2,000.00
Cover for items away from home
Optional
Money in the home
£500.00
Property owner liability
£5,000,000.00
Escape of water excess (minimum)
£500.00
Homeprotect

Basic home Insurance

Feature Value
Matching sets (contents)
50% of the cost of replacing the undamaged parts
Theft from outbuildings
£2,000.00
Cover for items away from home
Optional
Money in the home
£500.00
Property owner liability
£5,000,000.00
Escape of water excess (minimum)
£500.00
Home Legal Cover

2 products reviewed

Homeprotect

Basic Legal Expenses

Feature Value
Limit of indemnity per claim
£250,000.00
Employment - employee No
Property damage Yes
Contract disputes - pursue Yes
Property disputes Yes
Standard advisors cost
£100.00
Employment - excess
£0.00
Contract disputes - defend Yes
Data protection No
Jury service - maximum indemnity limit
N/A
Homeprotect

Full Legal Expenses

Feature Value
Limit of indemnity per claim
£50,000.00
Employment - employee Yes
Property damage Yes
Contract disputes - pursue Yes
Property disputes Yes
Standard advisors cost
£100.00
Employment - excess
£250.00
Contract disputes - defend Yes
Data protection No
Jury service - maximum indemnity limit
N/A
Landlord

2 products reviewed

Homeprotect

Home Insurance for Landlords (Accidental Damage Basic)

Feature Value
Buildings Maximum Sum Insured
Sum insured
Loss of Rent Sum Insured (Buildings)
£30,000.00
Contents Maximum Sum Insured
£30,000.00
Homeprotect

Home Insurance for Landlords (Accidental Damage Full)

Feature Value
Buildings Maximum Sum Insured
Sum insured
Loss of Rent Sum Insured (Buildings)
£30,000.00
Contents Maximum Sum Insured
£30,000.00
Landlord (star rating)

2 products reviewed

Homeprotect

Home Insurance for Landlords (Accidental Damage Full)

Feature Value
Buildings Maximum Sum Insured
Sum insured
Loss of Rent Sum Insured (Buildings)
£30,000.00
Contents Maximum Sum Insured
£30,000.00
Homeprotect

Home Insurance for Landlords (Accidental Damage Basic)

Feature Value
Buildings Maximum Sum Insured
Sum insured
Loss of Rent Sum Insured (Buildings)
£30,000.00
Contents Maximum Sum Insured
£30,000.00

Our unique Customer Experience Ratings help consumers find companies that offer a good service.

Home insurance (building and contents)

Ranked 34th of 47 providers reviewed

Customer happiness score 51.19%
Customer trust score 41.94%
Complaints performance 59.58%
Transparency rating 88.26%

Fairer Finance Score

Reviewed Autumn 2026

 60.24%
Most transparent