Hometree vs HomeServe for UK landlord home cover: 2026 comparison

**Hometree** is open to both owner-occupiers and landlords. Their landlord-specific cover includes the obligation to comply with annual gas safety inspections (the CP12) and they will book that with a Gas Safe engineer as part of the cover.

**HomeServe** also covers landlords explicitly. Their landlord plans bundle the boiler service into the annual subscription and they handle the Gas Safe paperwork directly with the tenant.

**Hometree** breaks cover into three plans: Boiler & Controls, Boiler & Home Heating, and Complete. The Complete plan adds plumbing, drainage and electrics. There is no excess on most plans and parts and labour are included.

**HomeServe** has more granular options: separate cover for boiler, plumbing, electrics, drainage and pest control. You can build the bundle you want, which suits some portfolio landlords better, but the total monthly cost can creep up.

Both providers exclude pre-existing faults and offer a 14-day cooling-off period before cover begins.

**Hometree** Boiler & Controls starts around £15 per month for a standard combi boiler in a flat or two-bed house. The Complete plan typically lands at £30 to £40 per month.

**HomeServe** equivalent landlord cover sits in the same ballpark: £15 to £20 for boiler-only, £35 to £45 for full home cover. A landlord-specific discount is available through their broker partners.

Pricing varies by boiler age, property type and number of bathrooms. Always quote multiple plans before committing.

Both providers commit to a same-day or next-day engineer response for no-heating-no-hot-water emergencies in winter. Out-of-hours response is typically 24 hours.

**Hometree** uses a network of vetted local Gas Safe engineers, which works well outside the M25 but can be slower in rural Scotland and West Wales.

**HomeServe** runs a mixed model of employed engineers and contracted ones. In London the employed network is fast; in remote areas response can lag by a day or two.

**Hometree** includes the annual CP12 as part of any boiler-included plan. The engineer issues the certificate directly to the tenant on completion.

**HomeServe** includes the annual boiler service in landlord plans and will issue a CP12 if requested at the same visit. Some plans charge a small additional fee for the certificate itself; check before signing.

For a **single buy-to-let** with a modern combi boiler, Hometree Boiler & Controls is usually the cheapest defensible cover with the gas safety record bundled in.

For a **multi-property portfolio** where you want bundled plumbing and electrics, HomeServe's tiered plans offer slightly more flexibility.

For an **older property with vintage heating**, Hometree's no-excess approach typically saves money on the first call-out.

Whichever you choose, do not let the cover lapse during a tenancy. The cost of a single emergency callout without cover is more than a year of premiums.