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Homeprotect: Home insurance reviews

Name: Home insurance
Rating: 4.38 (186 reviews)

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4.38

Based on 186 reviews, last reviewed 13th Jul 2026

30% increase in 5 star reviews

in the past 90 days

67% decrease in 1 star reviews

in the past 90 days

66%

12%

16%

Latest highest rating:

5

The agent dealt with me very professionally The agent dealt with me very professionally Reviewed on: 13th July 2026

Latest lowest rating:

1

Cancellation 'Administration' charges horrendous! We cancelled the renewed policy just out of the cooling off period as we sold the house We paid just over £20 p/m (1 payment made) on an empty house ... Read more Reviewed on: 23rd April 2026

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About this product

Homeprotect home insurance policies are underwritten by AXA insurance.

With a Homeprotect home insurance policy, basic legal expenses and home emergency cover are included as standard. You can buy a policy for range of situations including unoccupied homes, renovations, working from home and holiday homes.

Homeprotect home insurance reviews help you find out what it’s really like to be a customer. If you’ve used Homeprotect before, you can also leave a review and share your experience.

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Homeprotect Home insurance reviews (186)

We have a property with an annex we rent out.

We have a property with an annex we rent out. Home protect provided us with a comprehensive insurance to cover both our home and the annex. Reviewed on: 28th December 2025

Reply from Homeprotect We strive to offer cover that others can't, so it's great to see we could do that for you, Paul! Thank you, The Homeprotect Team. Response date: 20th January 2026

Easy to renew,all good.

Easy to renew,all good.Too many emails reviewing it Reviewed on: 22nd December 2025

Reply from Homeprotect Thank you for the positive feedback, Paul! We’re glad you had a good experience with us. Thank you, The Homeprotect Team. Response date: 20th January 2026

Poor experience when I called about rain damage to r...

Poor experience when I called about rain damage to roof causing interior damage. Was informed that on the day I had estimated the damage ( it had rained for days so difficult to be exact), the total daily millimetres for my area was insufficient for a claim! Not impressed. Reviewed on: 19th December 2025

Reply from Homeprotect Sorry to hear that, JMT, that's not the level of service we would expect you to receive. If you could please contact us via live chat or phone, we will look into this for you. I have attached the relevant information so that you can reach out to us. Thank you! The Homeprotect team. Contact us link- https://www.homeprotect.co.uk/contact-us Response date: 20th January 2026

Renewal was late, I was expecting a paper cooy!

Renewal was late, I was expecting a paper cooy! Reviewed on: 16th December 2025

Reply from Homeprotect Sorry to hear about your experience. That is not the level of service we expect you to receive. If you could please contact us via live chat or phone, we will look into this for you. I have attached the relevant information to help you reach out to us. Thank you! The Homeprotect team. Contact us link- https://www.homeprotect.co.uk/contact-us Response date: 20th January 2026

Claim being looked at at the moment,but been quick s...

Claim being looked at at the moment,but been quick service so far. Reviewed on: 15th December 2025

Reply from Homeprotect That's what we like to hear, Tracey! Thank you for your review. The Homeprotect Team. Response date: 20th January 2026

Easy to renew

This year we were renewing our policy. So my real experience was last year when we took out the policy. Homeprotect were very helpful and answered our queries. Reviewed on: 15th December 2025

Reply from Homeprotect That's what we like to hear! Thank you for your 5 star review. The Homeprotect Team. Response date: 20th January 2026

Great if you run a business from home

It can be hard to find an insurance provider which will cover you if you run a business from home which involves the public coming to your house. Homeprotect are perfect in this situation. Reviewed on: 11th December 2025

Reply from Homeprotect We strive to offer cover that others can't, so it's great to see we could do that for you, Sam! Thank you, The Homeprotect Team. Response date: 20th January 2026

An excellent service from Homeprotect

We have received a good service from Homeprotect: we were pleased that we were able to renew at a lower cost than the previous year. Reviewed on: 11th December 2025

Reply from Homeprotect Thank you so much for your amazing review, Anthony! We're thrilled to hear that you had a great experience with us. The Homeprotect Team Response date: 20th January 2026

Really friendly and efficient customer care

Really friendly and efficient customer care on your helpline. I rang several times to update my renewal this year and received consistently excellent service. Also Hoeprotect offers good value on a homeworking policy which I need for my business. Reviewed on: 8th December 2025

Reply from Homeprotect We’re delighted to see your 5-star review, James! It's wonderful to know that you enjoyed our service. Thank you, The Homeprotect Team. Response date: 20th January 2026

Shockingly poor

I have never reviewed a home insurer before, but our experience with Homeprotect has been extremely disappointing. We have 15 years of no-claims history and took out this policy in complete good faith. Before purchasing the policy, at the point of exchanging contracts, I phoned Homeprotect to confirm how to disclose historic underpinning from 25 years ago. I was told it was not relevant as it fell outside their 10-year window. We also commissioned a RICS Level 3 survey, which confirmed the house was typical for its age, showed a minor thermal-expansion crack in the DPC, and found no evidence of active subsidence. We relied on this when answering their questions. In July 2025, after unusually hot weather, we noticed some new cracking and reported it immediately. Homeprotect appointed their own surveyor. After their visit in August, we heard nothing for months—no clarification, no follow-up, no indication that our cover was at risk. We eventually had to lodge a complaint just to move the process forward. Then on 27 November 2025, we received a letter stating our policy had been voided from inception, with no prior notice. This was the first and only communication on the matter. There was no chance to answer questions, provide evidence, or understand how this decision had been reached. We were left instantly uninsured, which is deeply distressing and contrary to the spirit of FCA rules around fair treatment and reasonable notice. We acted entirely in good faith, disclosed everything, relied on a detailed survey, reported issues promptly and cooperated fully. Yet the policy was voided months later without warning. This has serious implications for future insurability through no fault of our own. We are now entering a formal complaint process and likely escalation to the Financial Ombudsman. Based on our experience of poor communication, lack of transparency and disproportionate decision-making, I would strongly caution anyone considering Homeprotect. Reviewed on: 7th December 2025

Reply from Homeprotect Sorry to hear about your experience, Megan, that is not the level of service we expect you to receive. If you could please contact us via live chat or phone, we will look into this for you. I have attached the relevant information to help you reach out to us. The Homeprotect team. Contact us link- https://www.homeprotect.co.uk/contact-us Response date: 20th January 2026

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