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Homeprotect: Home insurance reviews

Name: Home insurance
Rating: 3.48 (87 reviews)

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3.84

Based on 87 reviews, last reviewed 25th Jan 2026

160% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

48%

14%

30%

Latest highest rating:

5

very simple to renew and the website is very informa... very simple to renew and the website is very informative and explains everything. Reviewed on: 25th 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.

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Homeprotect Home insurance reviews (87)

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

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

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. The Homeprotect team. Contact us link-https://www.homeprotect.co.uk/contact-us Response date: 20th January 2026

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

Happy customer

Have not needed to claim but Home insurance is cheaper than most. And when I needed to phoned about with problem they were very friendly and helpful. I am quite happy with the. Company’. Reviewed on: 19th November 2025

Cheaper than a comparison site

After searching the comparison sites to find my renewal quote works out £28 cheaper than last time which no one could beat I directly renewed with Homeprotect Reviewed on: 19th November 2025

Broken pipe fixed excellent service

We unfortunately had a broken sewer pipe but Homeprotect sent out contractor and fixed the problem, first class service thank you Reviewed on: 14th November 2025

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