Homeprotect

Last reviewed 28 July 2026 · Verification: public website pages fetched and read (no vendor contact)

At a glance

Entry price (GBP): Not published; Price last verified 28 July 2026
UK-based: Yes
Free trial: Not published

Vendor

www.homeprotect.co.uk/holiday-let-insurance

Outbound link is nofollow. We take no commission and earn nothing from this click.

UK signals

The block no global directory publishes: whether the company trades in the UK, whether it bills in sterling, whether it charges VAT and issues a VAT invoice, when its support is actually open in UK time, and where the data sits. Every line is what the vendor publishes, or a record that it does not.

UK-based: YesSource
UK support hours: Not publishedGeneral business hours not published on the pages checked; 24/7 is stated only for the home emergency and legal advice lines.Source · Checked 28 July 2026
UK phone published: NoNo sales telephone number is published on the holiday home or holiday let pages. A 24/7 home emergency line and legal advice line are referenced for existing policyholders.Source · Checked 28 July 2026
Quoted in GBP: Yes
Covers platform lettings (Airbnb-style): YesExplicit. 'Property covered for non-paying and paying guests including Airbnb.' Note the trade-off: accidental damage cover is not available on the paying-guest version of the policy.Source · Checked 28 July 2026
Eligibility restrictions: Not published
Policy conditions: 12-month policies. Cover is available for holiday homes 'empty for 30+ days at a time'; the property must be inspected to avoid falling into unoccupied status. A separate B&B product caps at 12 guests; no equivalent guest cap is stated for holiday lets.Source · Checked 28 July 2026

Pricing

Verified against the vendor's own published page on 28 July 2026. Figures are reproduced as published — we do not convert currencies or estimate a total.

Pricing model: quote-only (individually rated insurance premium)
Pricing published: No — quote-only
Entry price (GBP): Not published
Quoted inclusive or exclusive of VAT: Not published
At 1 property: Not published
At 5 properties: Not published
At 20 properties: Not published
Booking fee: Not published
Setup fee: Not published
Minimum contract (months): Not published
Free plan: Not published
Price last verified: 28 July 2026Source

12-month policy premium per property No premiums published. The page states price varies by location, rebuild value, security and maintenance. Cover limits are published — unusually for this category — but price is not.

What the cover includes

This is the sharpest differentiator in the category: guest-caused theft, vandalism and accidental damage sit outside the Homeprotect holiday let policy, whereas Boshers includes both as standard and Schofields, Pikl, Policy Powerhouse and Miller & Partner cover them as standard or as a paid extension. Do not compare on headline limits alone.

Public liability: Up to £5 million
Loss of rent or income: Loss of rent up to £30,000 where paying guests cannot stay due to an insured loss
Buildings: Up to £1 million
Contents: From £25,000
Home emergency: Included as standard, up to £500
Legal expenses: Family Legal Protection included as standard, up to £25,000
Accidental damage: NOT available where there are paying guests — offered for family-use holiday homes only
Employers liability: Not published
Malicious damage by guests: NOT covered. The holiday let page lists 'Theft, vandalism, or accidental damage caused by paying guests' among the exclusions.
Theft: Theft by paying guests excluded (see malicious_damage_by_guests). General theft perils covered under buildings/contents.
Alternative accommodation: Not published

Getting a quote

Quote methods: online only
Instant online purchase: Yes
Quote page: https://quote.homeprotect.co.uk/i/questions/aboutyou.aspx
Stated by the provider: 'Get a quote online in less than 10 minutes'

Company identity

Recorded from the vendor's own pages and, where a company number was findable, from Companies House.

Provider type: 'Homeprotect is a trading name of Avantia Insurance Limited, an independently owned insurance intermediary.'Source · Checked 28 July 2026
Legal entity: Avantia Insurance LimitedSource · Checked 28 July 2026
Companies House number: Not publishedNot published on the pages checked.Checked 28 July 2026
FCA firm reference: 304432Source · Checked 28 July 2026
Founded: 2002Stated on the Homeprotect about page as the year the business has operated since. Not cross-checked against Companies House.Source · Checked 28 July 2026
Head office: Not publishedRegistered office not published on the pages checked.Checked 28 July 2026
Country: United Kingdom
Underwriter: 'The insurance policies we provide to customers are underwritten by AXA insurance.' The holiday let page is titled and badged 'Underwritten by AXA'.Source · Checked 28 July 2026

Our verdict

Homeprotect is the most transparent entry in this category on cover limits and the only one offering a straight-through online purchase. It is a trading name of Avantia Insurance Limited, an independently owned insurance intermediary authorised by the FCA under FRN 304432, and its policies are underwritten by AXA — named prominently rather than buried. The holiday let page publishes actual figures rather than feature names: public liability up to £5 million, loss of rent up to £30,000 where paying guests cannot stay after an insured loss, buildings to £1 million, contents from £25,000, home emergency to £500 and family legal protection to £25,000, both included as standard. Airbnb is named explicitly — 'property covered for non-paying and paying guests including Airbnb' — and cover extends to properties standing empty for 30 days or more between stays, subject to inspection conditions. The significant limitation, stated plainly on the pages, is guest-caused loss: accidental damage is available only on family-use holiday homes and not where there are paying guests, and the holiday let page lists theft, vandalism and accidental damage caused by paying guests among the exclusions. For an operator whose main worry is guest-caused breakage or theft, that is a material gap — Boshers includes both as standard, and the specialist brokers in this category cover them as standard or as a paid extension — so these policies are not comparable on headline limits alone. Quoting is online only, quoted at under ten minutes; no sales phone number is published.

Written by The UK Holiday Let Software Directory editorial team. Nobody paid for this and nobody reviewed it before publication except us.

Third-party scores

Cited as text with the source and the date we pulled it. We do not mark these up as our own rating, and we publish no first-party reviews until we have real, verified users.

No third-party score was pulled for this listing. That is a gap in our record, not a judgement on the product.

How this listing was checked

Verification method: public website pages fetched and read (no vendor contact)
Verified: 28 July 2026
Last reviewed: 28 July 2026
Publisher relationship: none

Sources

Something wrong on this page?

Corrections are the most useful thing anyone sends us, and they are free to make. Tell us what is wrong and where the correct figure is published, and we will fix it and re-date the page. Vendors do not need a relationship with us to have their own listing corrected.

Report an error on this listing

Every listed vendor also gets a free badge, with no obligation and no link required. About the badge programme.

Publisher relationship: none — no payment was received for this listing, and none would change it.