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Home Protect: Home Insurance reviews

Name: Home Insurance
Rating: 1.91 (33 reviews)

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1.70

Based on 33 reviews, last reviewed 9th Apr 2025

No new 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

15%

70%

Latest highest rating:

5

Iv not really had any experience yet but what iv hea... Iv not really had any experience yet but what iv heard it's a good excellent service tou provid Reviewed on: 8th October 2024

Latest lowest rating:

1

They have their own rules - you say your house will... They have their own rules - you say your house will cost x to rebuild, they randomly add value to that (in case building costs go up). But if it costs... Read more Reviewed on: 9th April 2025

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About this product

Finding a new insurance provider can be daunting with so many options on the market. At Smart Money People, we want to make this process as simple as possible for you. We collect Homeprotect home insurance reviews to help you make an informed decision when choosing your new provider.

Homeprotect is underwritten by AXA Insurance to provide a range of home insurance policies. Choose between contents and buildings insurance, or select a combined policy of the two. Homeprotect also offers specialist home insurance for a variety of circumstances. Standard buildings and contents policies come with basic legal expenses and home emergency cover. These are upgradable for more comprehensive protection.

Does Homeprotect sound like the right provider for you? Check out our Homeprotect home insurance reviews to gain valuable insight into the provider and its policies. Find out how satisfied customers are with the customer service they have received. Learn about what you can expect from the claims process, and more.

Have you had a home insurance policy with Homeprotect? Share your honest experience with others on Smart Money People. Tell us what policy you chose and whether you selected any additional extras. Were you satisfied with the cost of your premium for the level of cover you received? Did you secure cover with Homeprotect despite having unique home circumstances? Have you made a claim on your policy, and if so, how well was it handled? Leave a Homeprotect home insurance review today.

Home Protect Home Insurance reviews (33)

Review of the Home Protect, Home Insurance:

Average insurance but reasonable prices

Although written by Axa with customer service provided by Home Protect this insurance cover is sufficient, but lack lustre. I found customer services, quite frankly difficult to engage, it was difficult to make enquiries and get things done, but it was a good price.. I’m not sure how they would be in the area of making a claim, but I imagine it would be a challenging based on my engagement on simple enquiries. Reviewed on: 23rd August 2023

They have their own rules - you say your house will...

They have their own rules - you say your house will cost x to rebuild, they randomly add value to that (in case building costs go up). But if it costs more (based on their EXPERT opinion), they only pay a % of the total claim. Then I am having some building work done, and they refuse to cover all sorts of things - all they will cover is if something drops from a plane or an earthquake. Even the gentleman I spoke to was surprised and said it made no sense. I won't be touching them again. Reviewed on: 9th April 2025

Absolutely Awful Service had Storm Damage and advise...

Absolutely Awful Service had Storm Damage and advised I could get the repair done myself. No Physical Damage IE Tiles blown off but all loosened so had replaced with New Panelling. Now told me I need to have a Damage Report which wasnt stipulated when I was told i could get the repairs done myself. AWFUL AWFUL AWFUL experience avoid like the plague. Anything to not to pay a small claim Photograohic Evidence Sent but still not enough, Reporting to the Ombudsman !! Reviewed on: 19th February 2025

Iv not really had any experience yet but what iv hea...

Iv not really had any experience yet but what iv heard it's a good excellent service tou provid Reviewed on: 8th October 2024

DO NOT USE HOMEPROTECT

Don't waste your money, you'll never get a pay out if you claim. They work incredibly hard to provide evidence the claim can't progress due to you not giving them the right information. I've spent the last 4 months jumping through hoops; pictures, quotes, videos and they are still looking for an excuse to stop the claim despite being initially told it was fine and was offered a cash settlement, but before I could receive it they passed it on to a loss adjustor who started asking for everything all over again. Its the most frustrating situation, so don't bother, you might as well put your monthly payments in a savings account for the inevitable. Homeprotect are the worst Reviewed on: 2nd October 2024

THE MARK OF A GOOD INSURER IS WHEN YOU TRY TO CLAIM!

In January 2024, during a cold snap, the water main supply pipe for our property burst. We were relieved to discover that our insurance with Home Protect covers the repair of the pipe, but the relief was short lived. Nearly nine months later and our burst pipe still hasn't been fixed, and there has been hundreds of litres of water leeching into the ground daily during this period. My wife and I have spent hours on the phone trying to get this issue resolved, without success. To make matters worse, the handling of our claim has been handed off to several different companies, each supposedly necessary to ensure the matter is resolved, but sadly it has been months of obfuscation, misinformation, zero communication, and a litany of excuses and ineptitude. The only communication we have received is to say that "we are waiting for a report," or "this is being escalated so we can get it resolved," or "we're waiting to hear from X, so we can get yet another report, which will say exactly the same thing as all the other numerous reports which we've been waiting for, but nobody knows what to report, or who to report it to, because we haven't got a clue about anything!" We currently have an Olympic sized swimming pool forming right next to our house, with the potential risk of water damage to the foundations, and when we try to convey the seriousness of the matter in hope of action being taken, we are just met with silence, or a poor attempt to convince us that they are taking the matter seriously. I look forward to Home Protect responding to this review with the usual generic response, designed to feign concern. Reviewed on: 17th September 2024

Beyond Awful Service

Came out to fix a water leak on my toilet, so turned water off and left me without a Toilet. Recalling my money and using a proper Insurance company. Dont waste your time despite me being disabled just fluff you off on the phone. Call has been expedited they say will have an answer in 24 hours. Yes you are an awesome service provider !! Reviewed on: 30th August 2024

Excellent insurance - Home Protect

Good policy coverage - eg on prior convictions and full legal expenses. Helpful staff. Easy to read the documentation. Competitively priced. Reviewed on: 24th August 2024

Huge renewal increase and poor account management.

I received two emails from Home Protect regarding the renewal of my home insurance. The first said that they had tried to take a payment for auto-renewal but the payment request had been refused. The second said, correctly, that I didn't have auto renewal set. Neither mentioned the renewal amount. When I contacted the company I realised why they had tried to auto-renew without telling me for how much. The premium increase was an enormous 60%. I was easily able to find another (better) policy for a reasonable amount with a Which? recommended company. Reviewed on: 23rd August 2024

I became a customer 11 years ago with specific cover...

I became a customer 11 years ago with specific coverage requirements. I compare every renewal but remain with them. Competitive pricing every time too. Reviewed on: 23rd August 2024

Tried to take unauthorised payment

Home protect couldn't decide whether I had automatic renewal or not. So they sent me an email telling me that I had, but that their attempt to take a payment had been declined. The sent me a second email saying that I did not have automatic renewal and that I had to pay manually. At no time did they tell me the renewal amount. When I telephoned to find the cost it became clear why they had been reluctant to tell me. The increase was enormous. I learnt my lesson and moved to a different company with a better policy for less money. Reviewed on: 14th August 2024

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