Compare Hometree Home Insurance Quotes Against The Market

If you are reviewing emergency plans to keep your property warm and functional, it is vital to clarify a massive point right away: Hometree does not sell standard home insurance to protect the physical bricks, mortar, and furniture of your house.

Instead, Hometree (founded in 2015) is a highly disruptive, tech-led challenger brand specialising in Boiler Cover, Central Heating Insurance, and Full Home Emergency Protection. Following their massive acquisition of OVO Energy’s Home Services arm, which completely absorbed the iconic CORGI HomePlan and HomeHeat networks, Hometree solidified its position as the UK’s third-largest provider of home emergency insurance. Backed by massive green energy facilities from institutions like Barclays, they are also rapidly expanding into residential electrification, financing and installing heat pumps, solar panel arrays, and home batteries.

You can get independent advice and a personalised quotes comparison for comprehensive home emergency plans and standard property insurance from one of our expert advisers below:

What type of home cover do they provide?

Hometree bypasses the rigid, confusing contracts popularized by older high-street utility giants. They structure their direct consumer protection across three clear, scannable tiers available to both standard homeowners and landlords:

1. Your Boiler Plan

Their entry-level safety net. It covers on-demand repairs to your natural gas boiler, its internal controls, the flue, and the direct gas supply line that runs from your property meter to your appliances.

2. Your Heating Plan

A highly popular step up. It incorporates the complete boiler package and expands the coverage limits to encompass your entire central heating infrastructure. This includes repairing leaking water pipes, failing radiator valves, hot water cylinders, and central heating pumps.

3. Your Home Plan

Their maximum, all-inclusive home emergency package. It bundles the complete boiler and central heating protections alongside an array of essential household emergency fixes:

• Plumbing & Drains: Clears blocked internal waste pipes, unblocks external drains, and fixes burst water supply lines.

• Home Electrics: Repairs faults across your main electrical wiring system, including broken fuse boxes, short-circuiting sockets, and light fittings.

• Home Security & Pest Control: Covers emergency boarding up of broken doors and windows, replacement of lost keys, and eradication of pest infestations (like wasps or rats).

The Beyond-Economic-Repair (BER) Rule: If your boiler breaks down, cannot be fixed, and is under 7 years old, Hometree will provide and install a brand-new energy-efficient boiler completely free of charge. If it is over 7 years old, they will provide a 15% discount on a brand-new installation.

How Hometree calculates premiums

Hometree explicitly challenges traditional insurers by offering absolute transparency in their pricing model, utilizing flexible structures to match your budget:

• The "No Unfair Price-Hike" Promise: Traditional insurers are notorious for luring you in with cheap introductory rates and hitting you with a 50% price spike at renewal. Hometree promises that if you purchase directly from them and stay claim-free in your first year, your renewal price increase is tightly capped to track inflation (typically around 4%).

• Adjustable Excess Sliders: You can dynamically manipulate your monthly or annual costs by choosing your own call-out fee (£0, £60, or £95). The higher the call-out excess you choose to pay when a fault occurs, the lower your fixed monthly premium becomes.

• No Age Restrictions: Unlike legacy insurers who refuse to cover older heating units, Hometree welcomes all makes, models, and ages of gas boilers, provided they are in safe working order at the initial sign-up.

Pros and cons

Here is a quick look at the pros and cons of utilizing Hometree for your household emergency protection:

Pros:

• The Renewal Price Guarantee: Complete immunity against artificial, predatory premium hikes if you manage to avoid making claims in your first year.

• Unlimited Callouts & Repairs: No matter how many times your heating or plumbing encounters an issue, they do not cap your yearly callout allowances.

• Free Annual Boiler Service: Included as standard across every single product tier, with £0 call-out fees applicable to the service visit itself.

• Massive CORGI Infrastructure: Absorbing CORGI HomePlan gives them access to a nationwide network of thousands of highly vetted, Gas Safe registered local engineers.

Cons:

• No General Property Cover: They do not protect your house against structural fire, subsidence, theft, or external environmental destruction; you still require independent buildings and contents insurance.

• 14-Day Exclusion Period: To prevent people from signing up only after their heating breaks down, you cannot log a claim during the first 14 days of your policy going live.

• Gas Boilers Only: Their standard plans are engineered strictly for natural gas systems, meaning they cannot accommodate oil boilers, LPG setups, or solid fuel heating.

Customer reviews and market standing

Hometree commands a premier reputation across consumer trust channels, frequently outscoring older high-street energy conglomerates like British Gas.

• Trustpilot Elite Tier: Hometree holds an Exceptional overall rating on Trustpilot based on tens of thousands of independent consumer reviews. Users routinely highlight the extreme punctuality and friendliness of their local engineering partners.

• Vulnerable Priority: Review platforms heavily praise their emergency triage protocols. During freezing winter stretches, Hometree actively prioritizes callouts for vulnerable customers, the elderly, and families with newborn children.

• Regulatory Compliance: Fully authorized and regulated by the Financial Conduct Authority (FCA) to act as an insurance intermediary, with all cash handling and contracts fully protected.

How to get a Hometree quote

You can generate a direct monthly care quote on the Hometree website within 60 seconds by specifying your property type and picking your chosen call-out fee. However, while their inflation-capped renewals offer great stability, it is always a smart strategy to compare alternative home emergency options. Checking alternative providers ensures you secure the lowest baseline monthly cost for your precise geographic location.

At Money Helpdesk, our property experts can help you coordinate your comprehensive home protection. If you are looking to tie a robust home emergency plan alongside a bulletproof buildings policy, get in touch and we will map your top open-market choices.