Updated September 29, 2026 · AssureCue Editorial Team
Coverbaloo Home Emergency vs Hometree
Coverbaloo Home Emergency vs Hometree: the differences
| Compare | Coverbaloo Home Emergency ReviewSee alternativesSee alternatives | Hometree ReviewSee alternativesSee alternatives |
|---|---|---|
| Premium from | £6.50Lower | £12.95 |
| Insurance types | Home, Home emergency, Travel | Home emergency, Landlord |
| Excess from | £0 to £45 | £0 |
| Cover limit | £1,000 or £3,000 per year | no set repair limit |
| Claims channels | Email, Phone | Online, Phone |
Same on both: Provider type (Broker), Monthly payments (Yes).
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Key differences
- Coverbaloo Home Emergency scores higher overall: 9.0 vs 8.9.
- Premium from is lower at Coverbaloo Home Emergency: £6.50 vs £12.95.
- Insurance types: only Coverbaloo Home Emergency offers Home, Travel.
- Insurance types: only Hometree offers Landlord.
- Claims channels: only Coverbaloo Home Emergency offers Email.
- Claims channels: only Hometree offers Online.
- Support channels: only Coverbaloo Home Emergency offers Help centre.
- Support channels: only Hometree offers Chat.
Our verdict on each
Coverbaloo Home Emergency
Coverbaloo Home Emergency suits renters and owners seeking monthly home emergency protection with phone claims support, with premium starting at £6.50 alongside cover up to £1,000 or £3,000 per year per year. Monthly payments are available, while excess terms vary by plan within £0 to £45, so check plan details before purchase.
Hometree
Hometree suits homeowners and landlords seeking home emergency cover with monthly payments and claims support by online and phone. Premiums start at £12.95 with no set repair limit and excess of £0, while operating as broker under Financial Conduct Authority authorisation.
Score breakdown
| Area | Coverbaloo Home Emergency | Hometree |
|---|---|---|
| Cost | 9.2HigherPremium starts at £6.50 with monthly payments spreading cost across the year | 9.1Premiums start at £12.95 with excess of £0 on monthly terms. |
| Offer | 8.9HigherCovers home emergency risks within home, home emergency and travel with yearly limits of £1,000 or £3,000 per year and claims via email and phone | 8.8Covers home emergency and landlord with no set repair limit and billing via monthly. |
| Trust | 8.8Acts as broker in GB under Financial Conduct Authority licence 517325 | 8.8Broker broker run by Hometree Services Limited under Financial Conduct Authority authorisation 935444. |
Where each is licensed and available
| Country | Coverbaloo Home Emergency | Hometree |
|---|---|---|
| United Kingdom | Financial Conduct Authority 517325 | Financial Conduct Authority 935444 |
Available in 1 country for both.
Side by side, item by item
| Insurance types | Coverbaloo Home Emergency | Hometree |
|---|---|---|
| Home | Yes | No |
| Travel | Yes | No |
| Landlord | No | Yes |
| Home emergency | Yes | Yes |
Sources behind this comparison
Coverbaloo Home Emergency
- coverbaloo.co.uk: 11 facts, checked September 29, 2026
Hometree
- hometree.co.uk: 11 facts, checked September 29, 2026
How they place
| Ranking | Coverbaloo Home Emergency | Hometree |
|---|---|---|
| Home insurance | 178 of 272 | 208 of 272 |
| Home emergency cover | 5 of 11 | 8 of 11 |
Every fact side by side
| Fact | Coverbaloo Home Emergency | Hometree |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | coverbaloo Ltd | Hometree Services Limited |
| Headquarters | United Kingdom | United Kingdom |
| Support channels | Email, Help centre, Phone | Email, Chat, Phone |
Where each stands against the rest
| Fact | Coverbaloo Home Emergency | Hometree | Median |
|---|---|---|---|
| Premium from | £6.50below the median | £12.95above the median | £7.95 |
| Excess from | £0 to £45below the median | £0below the median | £25 |
Median across 51 listed insurance providers.
Pros and cons
Coverbaloo Home Emergency
Pros
- Premiums start at £6.50 with monthly billing and Monthly payments available
- Yearly cover of £1,000 or £3,000 per year for approved home emergencies
- Claims via email and phone with support through email, help centre and phone
Cons
- Excess varies within £0 to £45, so some plans add upfront cost at claim
- Cover focus stays within home, home emergency and travel, which limits relevance beyond home related needs
Hometree
Pros
- Premiums start at £12.95 with billing via monthly
- Repairs carry no set repair limit with excess of £0
- Support across email, chat and phone with claims via online and phone
Cons
- Range centres on home emergency and landlord so wider home needs may sit elsewhere
- Operates as broker rather than as direct insurer broker
- Support is limited to email, chat and phone without additional routes email, chat and phone
Who each suits
Coverbaloo Home Emergency
Who it suits
- Occupants seeking monthly home emergency cover with phone claims via email and phone, rather than Hiscox where premium starts at $29.16
- Households comparing low entry premium at £6.50 against andsafe at €3.63 for emergency protection
Who should look elsewhere
- Travellers seeking broad travel cover rather than home emergency focus within home, home emergency and travel, where die Bayerische may fit with premium from €2.09
Hometree
Who it suits
- Consider Hometree ahead of Hiscox when you want home emergency focus at £12.95 rather than $29.16
- Consider Hometree ahead of andsafe when you want home emergency and landlord with claims via online and phone
Who should look elsewhere
- Look at die Bayerische instead when starting premiums matter, with €2.09 against £12.95
Country by country
| Country | Coverbaloo Home Emergency | Hometree |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
Coverbaloo Home Emergency
How much does Coverbaloo Home Emergency cost?+
Premium starts at £6.50 for home emergency cover. Plans use monthly billing, and Monthly payments are available to spread cost through the year. Final pricing depends on the selected cover limit and excess, so review the quote summary before purchase.
What cover limit applies?+
Cover limits are £1,000 or £3,000 per year per year depending on the chosen plan. The limit caps the amount payable for approved emergency repairs during the policy year. Check what counts as an emergency, plus any per claim restrictions, in the policy wording before purchase.
Hometree
What cover does Hometree offer?+
Hometree focuses on home emergency and landlord for households and rented homes. Repairs are described as no set repair limit, which helps you gauge claim scope. Check plan terms for inclusions and exclusions before purchase.
How much does Hometree cost?+
Premiums start at £12.95 for eligible plans, with billing structured around monthly. Call out excess is set at £0, keeping claim costs predictable. Monthly payments are available for spreading costs.