HomeServe vs Hometree boiler cover compared

Prices checked on each provider's website on 29 October 2026, for new homeowners. Your price may vary by postcode, boiler and excess.

At a glance

	HomeServe	Hometree
Boiler-only, from	£6.49/mo with £100 excess, or £7.99/mo with £60 excess	£12.95/mo
Boiler and central heating, from	£8.99/mo with £60 excess	Get a quote
Excess options	£60 or £100	£0, £60 or £95 call-out fee
Annual service	Can be added at checkout	Included
After year one	The £6.49 plan is expected to rise to £15.55/mo if you don't claim	Capped at inflation if you don't claim
New boiler if it can't be fixed	If under 7 years old, with conditions	If under 7 years old, with conditions
Current offer	Winter sale to 10 February	Up to 25% off to 3 November

Choose HomeServe if…

You want the lowest monthly price right now and are happy with a higher excess.
You'll compare again at renewal, so the year-two rise matters less to you.
You want boiler and central heating cover at a published price.

Choose Hometree if…

You want an annual service included rather than paying for it separately.
You'd rather have a predictable price over several years, with renewals capped at inflation if you don't claim.
You want the option of no call-out fee at all.

Compare like with like

HomeServe's headline price comes with a £100 excess and no service. If you'd pay for an annual service anyway, and you're likely to keep the plan beyond year one, the gap between the two can be much smaller than the monthly prices suggest. Work out the cost over two years, at the same excess, before you decide.

HomeServe has a 28-day waiting period before you can claim. With any provider, faults that already exist when you join aren't covered.

See both, plus British Gas

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Last updated 30 October 2026