Hometree Boiler Cover Review
Hometree is a UK boiler and home-cover specialist offering FCA-regulated boiler, heating and home-emergency insurance, with annual servicing included and a "no unfair price hikes" renewal promise. It is well-rated on Trustpilot, with the usual watch-outs around renewal pricing after claims and occasional service delays.
Overview
Hometree is a UK-based boiler and home-cover specialist that sells boiler-only, central-heating and broader home-emergency cover direct to consumers and via comparison sites. All core plans include an annual boiler service and unlimited repairs, and the company positions itself as a challenger to the big incumbents (such as British Gas) on price and service. As of 2026 it is actively selling cover and running seasonal discounts.
Hometree's products are FCA-regulated insurance, not unregulated service or maintenance plans. Cover is for natural gas boilers and heating systems; all makes and models are accepted regardless of age for repairs, with a free replacement offered if a boiler under 7 years old is beyond economic repair and a discount on replacements for older boilers.
Independent ratings
Hometree's Trustpilot TrustScore was shown as 4.6 out of 5 ("Excellent") from roughly 17,000 reviews when checked in June 2026; figures move daily, so check the live Trustpilot page for the current score and count. Ratings change over time — check the latest on each platform.
What customers say
Overall customer sentiment is positive, with strong praise for fast engineer call-outs, professional staff and value versus big-name rivals; the recurring negatives are renewal price rises after claims, occasional appointment or call-wait delays, and some coverage disputes.
What customers like
- Fast response and engineer attendance, with many reporting same-day or next-day visits
- Engineers described as polite, professional, knowledgeable and tidy
- Helpful and responsive phone-based customer service
- Seen as better value and better service than larger incumbents like British Gas
- Annual service included and straightforward booking process
Common complaints
- Renewal price increases, especially after making one or more claims (some reporting rises well above inflation)
- Occasional delays in getting servicing or repair appointments booked
- Long waits to get through to a customer service representative at busy times
- Disputes over what is covered, including some claims declined or repairs deemed out of scope
- A minority report difficulty getting reimbursed when asked to arrange their own engineer
Plans & prices
| Plan | What it covers | From |
|---|---|---|
| Your Boiler | Gas boiler, flue and controls breakdown, unlimited repairs, gas supply pipe, plus an annual boiler service | from ~£12.95/month (varies by excess/call-out option) |
| Your Heating | Everything in Your Boiler plus the wider central heating system (radiators, cylinders, valves, pipework, controls) | from around £14-£15/month (indicative) |
| Your Home | Adds home plumbing, drains and home electrics cover | from around £20/month (indicative) |
| Your Home Plus | Top tier adding extras such as home security (locks, boarding up) and pest control | Confirm on Hometree's site |
Prices are indicative and last checked June 2026. Monthly cost depends on the excess/call-out fee you pick (Hometree's site lists options of £0, £49, £60 or £95) and the plan tier; Hometree advertises cover "from £12.95" a month. Seasonal discounts (e.g. up to 17-22% off) run from time to time. Confirm the exact price for your boiler and address on Hometree's own site.
Pros & watch-outs
Pros
- FCA-regulated insurance, so it carries Financial Ombudsman and FSCS protection
- Annual boiler service and unlimited repairs included on core plans
- Accepts boilers of any age and make for repairs
- "No unfair price hike" promise capping claim-free renewals to around inflation
- Strong independent review scores and choice of excess levels to control the monthly price
Watch-outs
- Renewals can rise notably if you have claimed during the year
- Natural gas boilers only (oil/LPG systems not the focus)
- Lower monthly prices generally mean a higher call-out excess (e.g. £95)
- Some exclusions and pre-existing-fault rules apply, so read the policy wording
- Underwriter/regulatory arrangements have changed over time, so verify current details
Who is it for?
Homeowners with a natural gas boiler who want regulated insurance cover (with Ombudsman/FSCS protection) rather than an unregulated service plan, and who value an included annual service.
People switching away from a more expensive incumbent who want competitive monthly pricing and the flexibility to trade a higher excess for a lower premium.
Less suited to those with oil or LPG heating, or anyone who wants a guaranteed flat renewal price regardless of claims.
For how to weigh insurance vs a service plan, excess levels and what to check before buying, see our boiler cover guides. Oil, LPG or electric boiler, or letting property? Compare options in our landlord and provider sections.
Is Hometree boiler cover regulated insurance or a service plan?
It is FCA-regulated insurance. Hometree Services Limited (FRN 935444) administers the policy as an Appointed Representative of Xact Risk Solutions Ltd (FRN 590914), with cover underwritten by Novus Underwriting on behalf of Helvetia. That means Financial Ombudsman and FSCS protection apply. Confirm current details in the live policy documents.
How much does Hometree cost?
Boiler-only cover starts from around £12.95 a month, with heating and broader home cover costing more, depending on the call-out excess you choose (options of £0, £49, £60 or £95). Prices are indicative as of June 2026 - get a live quote on Hometree's site.
Does Hometree cover old boilers?
Yes. Hometree accepts all makes and models for repair regardless of age. If a boiler under 7 years old is beyond economic repair it may offer a free replacement, and older boilers may get a discount on a replacement.
Will my price go up at renewal?
Hometree has a "no unfair price hikes" promise: if you stay claim-free, renewals are capped to around inflation. If you have claimed, your renewal can rise by more than inflation - a common complaint in reviews.
Is an annual service included?
Yes, all core Hometree plans include an annual gas boiler service carried out by a Gas Safe registered engineer, alongside unlimited breakdown repairs.
Compare Hometree against the panel
See how Hometree's price and cover stack up against other providers on our panel, then buy direct on the provider's own site. Information, not advice — a selected panel, not the whole market.
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