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Homeprotect review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Homeprotect suits UK households and landlords who want home, renters or landlord cover arranged through a long standing broker rather than a single insurer. Trading since 2002 and authorised by the Financial Conduct Authority, it places buildings, contents, landlord and home emergency cover through a single broker with monthly payments.

Key facts

Best for
Home, renters and landlord policies with monthly payments and Buildings up to 1000000 GBP.
Insurance types
Home, Renters, Landlord, Home-emergency↗
Provider type
Broker↗
Monthly payments
Yes↗
Cover limit
Buildings up to 1000000 GBP↗
Claims channels
Online, Phone, Home-emergency-line↗
Legal entity
Avantia Insurance Limited↗
Headquarters
United Kingdom↗
Founded
2002↗
Support channels
Phone, Help-centre↗
Pricing model
Monthly
Official website
homeprotect.co.uk

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
WikidataTrustpilotLinkedInyoutube.com

Pros and cons

Pros

  • Monthly payments are available, so the premium does not land in one annual bill.
  • The cover list runs to home, renters and landlord.
  • Buildings sums can be set at Buildings up to 1000000 GBP.
  • Claims can be started on online, phone and home emergency line.

Cons

  • Support runs on phone and help centre only, with no live chat or email channel listed.
  • The buildings element stops at Buildings up to 1000000 GBP, so a higher value property needs cover arranged elsewhere.
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Who it suits

  • Homeowners and renters in the UK who would rather pay monthly than settle the premium at renewal.
  • Landlords letting out a property, since landlord cover sits in home, renters and landlord.
  • Anyone whose property value is in line with Buildings up to 1000000 GBP.

Who should look elsewhere

  • Linxea, which lists life cover, if you want life insurance rather than buildings and contents.
  • Euroasia Insurance, which lists auto, home and travel, if you want auto and travel from one provider as well as home.
  • Oney Préstamos ES, which lists health, life and gadget, if health and gadget cover matter more to you.

Deposit protection

Homeprotect is a broker rather than an insurer, so cover is arranged on behalf of an insurer and the wording that governs a claim belongs to that insurer. The provider is authorised and regulated by the Financial Conduct Authority in the UK, licence 304432, which is the registration to check before accepting a quote.

The company behind it

Avantia Insurance Limited issues the policy, and the operation runs from GB. The brand has been trading since 2002, and the Financial Conduct Authority licence behind it is 304432. Support runs on phone and help centre, so a phone call or a help centre article covers the everyday questions, and both the trading record and the licence are worth checking before you accept a quote.

How Homeprotect compares

Where Homeprotect is available

Available
United Kingdom
Licence in United Kingdom
Financial Conduct Authority (304432), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does buildings and contents cover cost?+

The price is set at quote stage from the property, the sum insured and the level of cover, so it cannot be pinned down in advance. For scale, the middle starting premium across the home insurance listings on the site is €8.54 and the upper quartile is €45.35. Your own quote may sit well above or below that.

Can I pay monthly rather than in one annual bill?+

Yes. Monthly payments are available and monthly is the payment model listed, so the premium is spread across the year instead of being settled at renewal in a single payment. It suits households and landlords who prefer smaller regular amounts over a large sum at once.

What kinds of policy can I buy?+

The cover list runs to home, renters and landlord, so owner occupiers, tenants and landlords are all served by the same broker. Contents cover sits alongside the buildings element, and home emergency cover handles the sudden repair or lockout that would otherwise turn into a large bill.

How do I make a claim?+

Claims can be started on online, phone and home emergency line, so you can report online, by phone or on the home emergency line depending on how urgent the problem is. Because Homeprotect is a broker and not the insurer, the wording that governs a claim comes from the insurer behind the policy.

How much can I insure the building for?+

Buildings cover runs to Buildings up to 1000000 GBP, which covers the mainstream UK property market. A landlord letting the property would add landlord cover instead of contents cover for personal belongings. Anything above that level needs a quote arranged elsewhere.

Is Homeprotect an insurer or a broker, and who regulates it?+

It is a broker and the policy itself is issued by Avantia Insurance Limited. The site is authorised and regulated by the Financial Conduct Authority in the UK under licence 304432, so the registration can be checked before you accept a quote or hand over details.

How long has it traded and how do I reach help?+

It has been trading since 2002 and operates from GB. Questions go to phone and help centre, so that means a phone call or the help centre, with no live chat or email listed. The claims line is a separate route from that support.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from.

Homeprotect

Homeprotect

Home, renters and landlord policies with monthly payments and Buildings up to 1000000 GBP.

8.9/10See alternatives