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Homeprotect: Home insurance reviews

Name: Home insurance
Rating: 3.38 (80 reviews)

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3.74

Based on 80 reviews, last reviewed 2nd Jan 2026

2900% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

45%

13%

33%

Latest highest rating:

5

Happy that you look after loyal customers. Happy that you look after loyal customers. Fair to repeat customers Reviewed on: 2nd January 2026

Latest lowest rating:

2

A pilot light on the control unit/thermostat. A pilot light on the control unit/thermostat isn't working. This was reported some time ago. Nothing has been done about it by Homeprotect. This has b... Read more Reviewed on: 30th December 2025

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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.

Homeprotect Home insurance reviews (80)

Review of the Homeprotect, Home insurance:

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

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

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

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

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

I didn’t claim since I do the insurance with your co...

I didn’t claim since I do the insurance with your company I never I got a discount Reviewed on: 5th December 2025

Love the way they pass on any discounts to current c...

Love the way they pass on any discounts to current customers, so we don't feel like we need to shop around or haggle. Reviewed on: 30th November 2025

Competitive

Competitive and friendly customer support Reviewed on: 29th November 2025

Excellent value

I was trying to find a honest and reliable insurer and after trawling what seemed like thousands i came upon home protect. For me the deciding factor was firstly the fact the would insure my bungalow with type of roof I have, it's pent so slight incline not totally flat and not tile, I had a nightmare trying to find someone who would insure and not rip me off in the meantime. Secondly well it was the.price, such good value and this year my premium went down. So yes i can totally recommend Home Protect, I haven't had to.claim yet but it's nice to know a decent insurer is there if needed. Reviewed on: 26th November 2025

Insurance continued with no problem and a minor redu...

Insurance continued with no problem and a minor reduction in cost Reviewed on: 23rd November 2025

Friendly staff, the renewal process was straight for...

Friendly staff, the renewal process was straight forward with no messing around, very happy with the service I’ve received over the last couple of years. Great value for money Reviewed on: 23rd November 2025

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