Prices checked on each provider's website on 6 November 2026, for new homeowners. Your price may vary by postcode, boiler and excess.
Quick answer: Hometree is usually cheaper for boiler cover and caps renewals at inflation if you don't claim. British Gas costs more but adds accidental damage cover, a shorter waiting period and same-day engineers for most people who call by 11am. Both include an annual service.
At a glance
| Hometree | British Gas HomeCare | |
|---|---|---|
| Boiler-only, from | £12.95/mo | Get a quote (depends on postcode and boiler) |
| Boiler and central heating, from | Get a quote | £22.00/mo with £60 excess |
| Excess options | £0, £60 or £95 call-out fee | £0, £60 or £99 |
| Annual service | Included | Included |
| After year one | Capped at inflation if you don't claim | Not published |
| Which boilers | All gas boilers, any make or age | Ask when you get a quote |
| Extras | Unlimited repairs, parts and labour | Accidental damage cover; same-day engineer for 80% of customers who call by 11am |
| Waiting period | Check when you buy | 14 days |
| New boiler if it can't be fixed | If under 7 years old, with conditions | If under 7 years old, with conditions |
| Current offer | Up to £25 gift voucher to 17 November | None shown |
Choose Hometree if…
- You want boiler cover with a service included at a published price.
- You plan to keep the plan for several years and want renewals capped at inflation if you don't claim.
- Your boiler is older or less common: Hometree says it covers gas boilers of any make or age.
Choose British Gas if…
- Speed matters most. British Gas says 80% of customers who call by 11am get an engineer the same day.
- You'd value accidental damage cover alongside breakdowns.
- You want the shorter waiting period of 14 days before you can claim.
- You want boiler and central heating cover at a published price.
Compare like with like
Both include a yearly service, so neither needs the cost of a separate service added on. Compare them at the same excess: both offer £0, and the monthly price rises when you choose it. If you keep cover for more than a year, Hometree's inflation cap on renewals (if you don't claim) can matter more than the first year's price, because British Gas doesn't publish its renewal prices.
With either provider, faults that already exist when you join aren't covered.
See both, plus HomeServe
Filter by what you want covered and sort by price or customer rating.
Compare all plansWe may earn a commission if you buy through our links, at no extra cost to you. It never changes how plans are compared. How we make money
Related help
Last updated 6 November 2026