A modern challenger brand offering FCA-regulated boiler and home cover, a transparent excess ladder and a "no unfair price-hike" renewal promise. Here's how Hometree's plans stack up.
Hometree is one of the newer names in UK boiler cover, and it has built a reputation as a transparent, customer-friendly challenger to the big legacy providers. Its boiler and heating cover is FCA-regulated insurance, which means eligible policies come with the protection of the Financial Services Compensation Scheme (FSCS) and access to the Financial Ombudsman Service if something goes wrong — unlike an unregulated service or maintenance plan.
Two things make Hometree stand out: a clear excess ladder (you trade a higher call-out excess for a lower monthly price, with the choices spelled out up front), and a renewal promise that caps your first renewal increase at inflation if you haven't claimed. Below we run through the plans, the prices and the watch-outs so you can decide whether Hometree belongs on your shortlist.
Indicative monthly prices, last checked June 2026. The "Your Boiler" tier shows how the excess ladder works — a higher excess buys a lower monthly price.
| Plan | What it covers | Excess | From |
|---|---|---|---|
| Your Boiler | Boiler & controls | £95 | £12.95/mo |
| Your Boiler | Boiler & controls | £60 | £17.00/mo |
| Your Boiler | Boiler & controls | £0 | £22.90/mo |
| Your Heating | Boiler + central heating (radiators & pipes) | £60 | £19.00/mo |
| Your Home | Comprehensive — boiler, heating, plumbing, drains & electrics | varies | indicative |
| Your Home Plus | Comprehensive + home security & pest control | varies | indicative |
The excess is what you pay towards each call-out. A £0-excess plan costs more each month but nothing per repair; a £95-excess plan is cheaper monthly but you pay that £95 every time an engineer comes out — so a higher excess rarely pays off on an older, claim-prone boiler.
Hometree suits homeowners who want regulated insurance with the reassurance of FSCS and Ombudsman protection, and who value transparency over chasing the rock-bottom headline price. If you've been stung by a steep renewal increase with a previous provider, the inflation-capped renewal promise is genuinely useful — it's one of the clearer commitments in the market.
The excess ladder makes Hometree flexible: if you'd rather never face a per-repair bill, the £0-excess "Your Boiler" plan does that for around £22.90 a month; if you're confident your boiler is reliable and want a lower monthly cost, the £95-excess tier drops to around £12.95. People who want more than the boiler can step up to "Your Heating" for radiators and pipes, or to "Your Home" / "Your Home Plus" for comprehensive cover that adds plumbing, drains, electrics and — on Plus — home security and pest control.
It's a weaker fit if your priority is simply the cheapest possible boiler-only plan, where budget providers undercut it, or if your boiler already has a known fault — pre-existing problems are excluded, so cover won't pay to fix something that's already broken. Not sure Hometree is the right match? Put it side by side with the rest of our panel using the comparison tool, browse other providers, or read up on the different types of cover and our boiler cover guides. Landlords should see our dedicated landlord boiler cover page.
Hometree's boiler and home cover is FCA-regulated insurance, so eligible policies come with FSCS protection and access to the Financial Ombudsman Service. That's different from an unregulated service or maintenance plan, which has neither. Always confirm the regulatory status and protections in the policy documents on Hometree's own site.
Hometree promises that if you don't make a claim, your first renewal price won't rise by more than inflation. It's a useful guard against the steep year-two increases some providers apply — but it's tied to being claim-free and applies to your first renewal, so check exactly how it applies at later renewals.
On the "Your Boiler" plan you can pick a £0, ~£60 or ~£95 call-out excess. A higher excess lowers your monthly price but means you pay more towards each repair. On an older boiler that's more likely to break down, a lower excess often works out better overall — weigh the monthly saving against a typical call-out.
Put Hometree side by side with the rest of our panel — sorted by cheapest or best value, with excess and exclusions laid out clearly. Prices are indicative; confirm the final price on the provider's own site.
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