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HomeLet: Landlord Insurance reviews

Name: Landlord Insurance
Rating: 3.06 (6 reviews)

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3.06

Based on 6 reviews, last reviewed 28th May 2026

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100% increase in 1 star reviews

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33%

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Latest highest rating:

5

Homelet Excellent insurance company. Would highly recommend Homelet to anyone who needs Landlord insurance. Reviewed on: 16th July 2017

Latest lowest rating:

1

Ascribing Others Debts and Failing Applicants I recently applied for a joint tenancy through Symonds & Sampson, who use HomeLet (Barbon Insurance Group) for tenant referencing. My 31-year-old daug... Read more Reviewed on: 28th May 2026

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About this product

Are you a landlord looking for cover for your properties? Read our HomeLet reviews to see what other landlords have said about their landlord insurance. Whether it's for a single, or multiple properties, our community shares reviews on levels of cover, customer service provided, and other details about this specialist insurance to help you make better decisions about HomeLet and other landlord insurance companies.

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HomeLet Landlord Insurance reviews (6)

Ascribing Others Debts and Failing Applicants

I recently applied for a joint tenancy through Symonds & Sampson, who use HomeLet (Barbon Insurance Group) for tenant referencing. My 31-year-old daughter and I, 67, submitted a complete application. Her reference was approved within 48 hours. Mine was not. Within days, HomeLet flagged three CCJs against me. These were registered at a commercial address I have never lived at or had any connection with. The judgments were in a female name, for relatively small amounts (£169–£250). HomeLet themselves acknowledged in writing that the names and gender did not match mine. Despite this, they asked me to provide evidence that I was paying these debts, debts they had already admitted were not mine. I immediately disputed the errors in writing and pointed out that there was no way I was going to be paying debts not related to me and not in my name and at an address I’d never heard of. Communication was slow and unresponsive, they literally don’t respond to emails and ignore their portal. I only discovered they were using incorrect data against me when I telephoned. After several days of silence and uncertainty, we were forced to withdraw our application due to the delays. The very next morning, the system suddenly showed as “complete,” and the agent apologised and invited us to proceed. However, when we did, they then insisted on a guarantor due to the same erroneous flags. This was both embarrassing, grossly unfair and insulting. I submitted a Subject Access Request (SAR) to understand what data they held. HomeLet initially tried to narrow the scope of the request. My personal credit reports do not show CCJs in anyone else’s name, I don’t have any CCJ’s registered against my name, confirming this was a matching error on their part, yet they placed the full burden of proof on me rather than correcting their records promptly. They fed data back to the agent that meant they believed I was a risk! This experience has been deeply frustrating and has directly caused the collapse of our tenancy application. At no point did HomeLet demonstrate a balanced, or fair approach. Their systems appear heavily automated and risk-averse in favour of landlords and insurers, with inadequate manual oversight when obvious mismatches (such as gender and address type) arise. Tenants seem to be treated as potential risks by default rather than customers. They use a lot of ‘back door’ tools that they don’t openly disclose to people applying, they don’t simply check Experian and CFAS for example. Both my professional daughter’s credit reports and mine do not show any Experian soft searches which begs the question ‘what are they up to’? It’s worth noting this group of companies are insurers first and foremost and clearly employing any (potentially dubious) means to mitigate any risk to their own profit and genuinely do not care when mistakes like this cost a tenant a potential home. I strongly recommend that anyone who has used or is considering HomeLet submit a Subject Access Request to see exactly what data they hold and how it is being used. Greater transparency in this sector is badly needed. Prospective tenants should be aware that referencing errors like this can cause significant stress, delay, and lost opportunities, even for applicants with strong financial profiles and or over 40 years of successful renting as in my case. I’ve never missed a payment. Bluntly: 67 year old man’s tenancy application fails due to referencing company erroneously attributing someone else’s debts to him. Absolutely abhorrent. I will be escalating this matter formally with the ICO and relevant ombudsman schemes. Reviewed on: 28th May 2026

Failed reference for no reason

One week before our scheduled move-in date, we were informed by our estate agent that HomeLet had failed my housemate's reference. Upon contact with HomeLet as to the reason for this, the only information they would divulge was that it was for a "residential" reason, and they would only divulge this to the estate agent, not to us. We have rented many times before this where other referencing companies were used and this has never happened. Because of the failed reference, our offer fell through and we were left without a place to live. Moreover, we will be unable to rent any property in the future that uses HomeLet as a referencing company. Only once threatened with the financial ombudsman did HomeLet show any willingness to tell us what the issue was. And guess what? The issue was so minor that the current landlord (that the issue apparently affected) didn't think it was an issue at all. But still HomeLet refused to budge, even when we presented them with multiple possible solutions. It is disgusting that a company like HomeLet can hold such power over people's lives. Avoid at all costs. Reviewed on: 24th February 2023

Missold landlords insurance for ten years.

I bought landlords insurance 10 years ago for my three bedroom property. I told Homelet it was a house with individual tenants. I tenant referenced each and every tenant with Homelet. In September 2021 I was told my insurance had been reassessed, the property didn't meet the policy requirements and wouldn't be renewed. It was declined because it was a multi lease property, not one lease for the entire property. I explained that all the tenants had been referenced checked by Homelets own referencing department. I explained that Homelet insurance had been specifically told in writing in 2014 that there were more than one AST at the property. Homelets Landlords insurance had continued to take the premiums. By not renewing in September 2021 they were confirming it was in fact the incorrect policy since 2012. They offered to make an adjustment with the underwriters for an amended policy that may or not pay out in the event of a claim i.e an incomplete policy. I rejected their offer and asked for a refund of all missold premiums over 10years circa £6k. They failed to meet their own complaints deadlines three times. My complaint was escalated twice until Head of Complaints confirmed they would refuse to repay the missold premiums. There is no appeal process. No explanation for poor communication between their personal or their customers. No attempt at decent customer service. Homelet, was in my experience, an insurance company who do not communicate between their own tenant reference and landlord insurance departments. I would not buy their services or policies again. Reviewed on: 5th May 2022

Slow and inefficient

I had to make an insurance claim last year due to no fault of my own. This company were uncommunicative, missed or ignored emails and took an age to reply to any enquiry. In the end it took months to resolve my claim even though it was a very cut-and-dry case. This is a company to be avoided! Reviewed on: 6th August 2017

Homelet

Excellent insurance company. Would highly recommend Homelet to anyone who needs Landlord insurance. Reviewed on: 16th July 2017

Homelet

Homelet are a very good professional company to deal with. We used them for several years and they were always first class and would highly recommend them to anyone who needs landlord insurance. Reviewed on: 16th July 2017

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HomeLet: Landlord Insurance reviews

No new 5 star reviews

100% increase in 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About this product

Review HomeLet: Landlord Insurance now

HomeLet Landlord Insurance reviews (6)

Ascribing Others Debts and Failing Applicants

Failed reference for no reason

Missold landlords insurance for ten years.

Slow and inefficient

Homelet

Homelet

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