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Homeprotect: Home insurance reviews

Name: Home insurance
Rating: 3.55 (91 reviews)

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3.90

Based on 91 reviews, last reviewed 9th Feb 2026

108% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

51%

13%

29%

Latest highest rating:

5

Renewal was automatic. Renewal was automatic. Easy. The review of the policy is also easy through the portal Reviewed on: 9th February 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 (91)

Review of the Homeprotect, Home insurance:

Paid £1300 insurance and not covered

I paid my full annual insurance of £1300 on the 28th June, 2023. When my documents didn't come through a week later I contacted them and they said that they had no record of my payment but that there finance department would be in touch. After a further week there was no correspondence and my home was not insured. I phoned them again. They said I had two option. First to repay the £1300 or secondly they would send an email to finance and hope they picked it up soon. I put a complaint forward which was upheld and the case was closed. They said that they would honour any claim I made but still no documents sent to me. The following day I got an email saying that I wasn't insured because they hadn't had any payment. I'm back on the phone now and they are saying they have received my payment and I will be insured, but they cannot send me my documents for 30 days. I have demanded to speak to a manager. Its not good enough! Reviewed on: 11th July 2023

Hope your premium covers your claim

We have HomeProtect buildings and contents insurance, we made a claim in July and after 20 emails, hours on the phone I still haven't had any correspondence with reference my claim My online account doesn't even have the claim showing!! Absolutely disgraceful service they should not be entitled to be an insurance company. Reviewed on: 8th November 2022

Steer clear not interested in customer service

Very poor service, 3 months so far with a claim. Raised a complaint and they used the complaint instead of my claim. Email and call and no response what so ever. I'm afraid if I need any other claims. Reviewed on: 14th October 2022

Non-existent customer service

Like other reviewers I have found HomeProtect's customer service, IT support and banking to be appalling. I took my policy out in April 2022 and every single month HomeProtect fail to take the payment. My bank says the direct debit is set up, HomeProtect say it is set up and yet every single month they fail to take the payment and I have to call up and make payment. They fail to respond to all emails, they never send confirmation emails they say they will, they pass you from handler to handler during each call. An Insurer who cannot handle basics of taking direct debit payments is very concerning, I dred to think how badly they would handle any claim. I wish I had never come accross them. DO NOT USE HomeProtect, shop around and use a competent Insurer. Reviewed on: 31st July 2022

My first experience with HomeProtect was disastrous

My first experience with HomeProtect was extremely negative. I signed insurance Policy Ref: C28/0673726 on March 18, 2022. What happened: I decided to change direct debit bank. I called and notified HomeProtect. On June 24, I received an official confirmation from HomeProtect about the change of bank details. However, when the time came for the next month payment (£78.39) the company used the old details (I was notified by the bank where I closed the account) and HomeProtect, of course, did not receive money. On June 30 HomeProtect notified me that my most recent instalment of £78.39 hasn't been paid, due to insufficient funds. I have been fined (£20) and I was informed that a loan agreement (at a rate of 12%) should come into effect. I called HomeProtect and begged them to use new payment details that I had previously informed them off and which they officially confirmed. In vain. They kept claiming that they used the new details. I contacted the new bank and got confirmation that HomeProtect has not made any attempt to collect the payment. What I did: I realized that I was in a dangerous situation. Having money, I could make a payment because of unprofessional and incomprehensible actions of HomeProtect. I called HomeProtect again and said I didn't want to make monthly payments. I want to pay the entire balance before the end of the contract in a lump sum. This conversation took place on June 30. My new bank confirmed that HomeProtect received the amount (£655.02) on July 1. Until now (today is the 10th of July 2022) I do not have official confirmation from HomeProtect that my financial obligations to HomeProtect have been repaid in full. My calls with inquiries to HomeProtect did not lead to any results. As a result: 1. I have already suffered financial losses (I paid a fine (£20) for HomeProtect mistake in the client's payment details). 2. I am in a state of uncertainty. The company refuses to acknowledge receipt of my money in the amount of £655.02. 3. All I hope is they don't try to get more money from me. My advice: NEVER USE HomeProtect! IT IS DANGEROUS! Reviewed on: 9th July 2022

Appalling insurance company. Avoid.

Appaling insurance provider. AVOID. HomeProtect does not provide protection, they do not even provide excuses - they simply ignore you, for months. Read the reviews - all positive ones are from people who have never had to make a claim. I called HomeProtect to make a claim against my Policy, to be told "we accidentally cancelled your policy without telling you, our accounts made an admin error, goodbye". They eventually admitted error, reinstated my Policy, took my money, authorised my claim, but are now neglecting to pay me the money they owe me. If you call, you are put on hold for hours, day after day. And they do not respond to emails. So I am out of pocket, stressed, and struggling to take more time off work to sit on hrs of unreasonable holding pattern that amount to nothing. Reviewed on: 13th March 2022

Very affordable insurance with great cover

Very fairly priced, with great cover Reviewed on: 22nd July 2019

Good company

Straightforward service, easy to understand insurance plans, good customer service Reviewed on: 16th July 2019

Good comprehensive insurance

Fantastically good value for money insurance which provides security for essentially every single potential incident. Reviewed on: 7th July 2019

value

excellent value for money and service Reviewed on: 6th July 2019

CheekyCharges Campaigner

Its ok but very expensive as we are apparantly on a flood plain and nobody else will insure us Reviewed on: 13th March 2016

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