By Chandraketu Tripathi | Published June 2026 | Independent analysis, no affiliate commission
KT Independent Verdict - June 2026
Homeprotect is a specialist insurer for properties that mainstream insurers decline: flood risk, subsidence history, listed buildings, properties unoccupied up to 12 months, and non-standard construction. Trustpilot 4.6/5 from 9,000+ reviews. Not the right product for standard properties in low-risk postcodes where mainstream market pricing is significantly cheaper. FCA FRN 304432.
Trustpilot
4.6 / 5
9,000+ reviews
FOS complaints
See FOS data tool
FCA regulated
✓ FRN 304432
FSCS protected
What Homeprotect Home Insurance Covers
| Cover feature | Homeprotect Standard | Homeprotect Plus |
|---|---|---|
| Flood-risk properties | Covered | Covered |
| Previous subsidence history | Covered | Covered |
| Listed buildings | Covered | Covered |
| Unoccupied properties | Up to 12 months | Up to 12 months |
| Non-standard construction | Covered | Covered |
| Buildings rebuild cost | Up to £1m | Up to £2m |
| Contents sum insured | Up to £75,000 | Up to £100,000 |
| Accidental damage | Add-on | Included |
| Legal expenses | Add-on | £100,000 |
| Home emergency | Add-on | £500 limit |
| Flood Re eligible properties | Yes (pre-2009) | Yes (pre-2009) |
| Available on PCWs | No - direct | No - direct |
Source: Homeprotect policy documents, homeprotect.co.uk, verified June 2026. Always confirm limits in policy schedule before purchasing.
Claims and Regulatory Data
| Metric | This insurer | Source |
|---|---|---|
| Trustpilot score | 4.6 / 5 from 9,000+ reviews (June 2026) | uk.trustpilot.com/review/www.homeprotect.co.uk |
| FCA authorisation | Authorised and regulated - FRN 304432 (intermediary) | register.fca.org.uk |
| Underwriter | Panel of specialist underwriters - confirmed in policy documents | homeprotect.co.uk |
| FSCS protection | Yes via panel underwriters - 90% of claim | fscs.org.uk |
| Flood Re participation | Yes for pre-2009 properties in eligible postcodes | floodre.co.uk |
| FOS complaints | Fetch current figure via FOS data tool - search Homeprotect | ombudsman.org.uk/data-and-insight |
Source: FCA Register, Trustpilot (June 2026), FOS data tool
What Homeprotect Does Not Cover vs What It Does Well
Not covered / watch out for
- Not designed for standard properties in low-risk postcodes (overpriced vs mainstream)
- Not available on price comparison websites - direct only
- Wear and tear or gradual deterioration
- Flood Re does not cover post-2009 properties - higher premium applies
- Properties with unresolved structural issues may still be declined
- Premium significantly higher than mainstream market for standard homes
Standout features
- Covers flood-risk properties mainstream insurers decline
- Covers subsidence history that standard market prices out
- Listed buildings: specialist rebuild for traditional materials
- Unoccupied up to 12 months - far longer than standard 30-60 day limits
- Non-standard construction: timber frame, thatched, flat roof, concrete panels
- Flood Re participation: capped premium for eligible pre-2009 flood-risk homes
- Trustpilot 4.6/5 from 9,000+ reviews
Homeprotect vs Key Competitors
| Insurer | Trustpilot | On PCWs? | FCA FRN |
|---|---|---|---|
| Homeprotect | 4.6 (9K+) | ✗ Direct only | 304432 |
| Hiscox | 4.6 (12K+) | ✗ Direct only | 113849 |
| NFU Mutual | 4.7 (8K+) | ✗ Direct only | 110577 |
| Aviva | 4.3 (60K+) | ✓ Yes | 202153 |
| Admiral | 4.5 (154K+) | ✓ Yes | 314925 |
Source: FCA Register (register.fca.org.uk), Trustpilot verified June 2026. All FCA-authorised and FSCS-protected.
Frequently Asked Questions
What types of property does Homeprotect specialise in?
Homeprotect (authorised under FCA FRN 304432) specialises in properties that mainstream home insurers decline or significantly surcharge. These include properties with a previous flood claim or in a high flood-risk postcode, homes with a history of subsidence or underpinning, Grade I, II* and II listed buildings, properties unoccupied for up to 12 months, non-standard construction (timber frame, thatched roof, flat roof, steel frame, concrete panels), and properties undergoing major renovation. Homeprotect is not the right product for standard properties where mainstream market pricing will be significantly cheaper.
How does Homeprotect differ from standard home insurers?
Standard home insurers use automated underwriting that declines or prices prohibitively for any property outside a narrow risk band. Homeprotect uses specialist underwriting via a panel that includes insurers experienced in high-risk property categories. The premium will be higher than the standard market but the key difference is that cover is available at all. For properties that standard insurers decline outright, Homeprotect may be one of very few options alongside other specialists such as NFU Mutual for rural properties or Hiscox for high-value homes.
Can Homeprotect cover a property that has previously flooded?
Yes. Homeprotect can provide cover for properties with a previous flood claim, which standard home insurers typically decline or price prohibitively. Properties built before 1 January 2009 in high-risk flood postcodes may also be eligible for the Flood Re reinsurance scheme, which caps the flood risk portion of the premium. Homeprotect participates in Flood Re for eligible properties. For properties built after January 2009, which are excluded from Flood Re, Homeprotect is one of the few insurers able to provide cover, though at a higher premium reflecting the risk.
How does Homeprotect handle claims?
Homeprotect provides a 24-hour claims helpline. Because Homeprotect operates as an intermediary with a panel of specialist underwriters, the claims handling insurer varies by policy and is confirmed in the policy documents. For specialist property types such as listed buildings or flood-damaged properties, specialist loss adjusters with relevant expertise may be appointed. If a dispute cannot be resolved through Homeprotect's internal complaints process, policyholders can escalate to the Financial Ombudsman Service within six months of a final response letter.
Is Homeprotect home insurance FSCS protected?
Yes. Homeprotect is authorised under FCA FRN 304432 as an insurance intermediary. The panel underwriters are separately FCA-authorised and FSCS-protected. For general insurance claims, the FSCS covers 90% of a valid claim with no upper limit in the event that the underwriting insurer became unable to meet its obligations. The policy documents issued at purchase confirm the identity of the underwriting insurer and their FCA status.
Sources
- Homeprotect - Home Insurance
- FCA Register - FRN 304432
- FOS - complaints data
- FSCS - insurance protection
- Trustpilot - Homeprotect reviews
- Flood Re - scheme eligibility
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