Updated September 29, 2026 · AssureCue Editorial Team
Domestic Appliance Guard vs Hometree
Where Domestic Appliance Guard and Hometree differ
| Compare |  Domestic Appliance Guard | Hometree ReviewSee alternativesSee alternatives |
|---|---|---|
| Premium from | £2.75Lower | £12.95 |
| Insurance types | Home emergency, Home warranty, LandlordCovers more | Home emergency, Landlord |
| Provider type | Insurer | Broker |
| Excess from | £150 | £0Lower |
| Cover limit | GBP 1000 per claim | no set repair limit |
Same on both: Monthly payments (Yes), Claims channels (Online, Phone).
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Key differences
- Domestic Appliance Guard scores higher overall: 9.2 vs 8.9.
- Premium from is lower at Domestic Appliance Guard: £2.75 vs £12.95.
- Excess from is lower at Hometree: £0 vs £150.
- Insurance types: only Domestic Appliance Guard offers Home warranty.
Our verdict on each
Domestic Appliance Guard
Domestic Appliance Guard suits households and landlords seeking focused home emergency, home warranty and landlord protection with clear claim caps. Premiums are listed as £2.75 alongside cover at GBP 1000 per claim, while monthly payments help you spread the cost across the year.
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 | Domestic Appliance Guard | Hometree |
|---|---|---|
| Cost | 9.0Premiums are listed as £2.75 with monthly payments offered. | 9.1HigherPremiums start at £12.95 with excess of £0 on monthly terms. |
| Offer | 8.9HigherRange covers home emergency, home warranty and landlord with cover at GBP 1000 per claim. | 8.8Covers home emergency and landlord with no set repair limit and billing via monthly. |
| Trust | 9.6HigherSupport is available through chat, email and phone for account queries. | 8.8Broker broker run by Hometree Services Limited under Financial Conduct Authority authorisation 935444. |
Positions in our rankings
| Ranking | Domestic Appliance Guard | Hometree |
|---|---|---|
| Home insurance | 111 of 272 | 208 of 272 |
| Home emergency cover | 3 of 11 | 8 of 11 |
| Landlord insurance | 25 of 55 | 45 of 55 |
Pick Domestic Appliance Guard if, pick Hometree if
Pick Domestic Appliance Guard if trust, premium from, and insurance types matter most.
Pick Hometree if excess from matter most.
Availability and regulation
| Country | Domestic Appliance Guard | Hometree |
|---|---|---|
| United Kingdom | Not confirmed | Financial Conduct Authority 935444 |
Available in 1 country for both.
Every fact side by side
| Fact | Domestic Appliance Guard | Hometree |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Domestic Appliance Guard Ltd | Hometree Services Limited |
| Headquarters | United Kingdom | United Kingdom |
| Support channels | Chat, Email, Phone | Email, Chat, Phone |
Where each stands against the rest
| Fact | Domestic Appliance Guard | Hometree | Median |
|---|---|---|---|
| Premium from | £2.75lowest quarter | £12.95above the median | £7.95 |
| Excess from | £150highest quarter | £0below the median | £25 |
Median across 51 listed insurance providers.
Pros and cons
Domestic Appliance Guard
Pros
- Covers home emergency, home warranty and landlord, giving focused protection for emergencies and appliances.
- Premiums are listed as £2.75, which is easy to compare against Hiscox.
- Monthly payments are offered, helping you spread the cost through the year.
Cons
- Excess applies from £150, which adds upfront cost at claim time for you.
- Cover sits at GBP 1000 per claim, which may limit larger appliance repairs for you.
- Cover focuses on home emergency, home warranty and landlord, so broader home cover needs another provider.
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
Domestic Appliance Guard
Who it suits
- Households wanting appliance focused cover through home emergency, home warranty and landlord rather than broad home cover.
- Landlords wanting rented property support where cover sits at GBP 1000 per claim.
- Budget planners wanting monthly payments with premiums listed as £2.75.
Who should look elsewhere
- Shoppers wanting full buildings cover should consider Hiscox as Domestic Appliance Guard focuses on home emergency, home warranty and landlord.
- Shoppers wanting a European provider should consider andsafe as Domestic Appliance Guard is based in the United Kingdom.
- Shoppers wanting low excess should consider die Bayerische as excess applies from £150 here.
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 | Domestic Appliance Guard | Hometree |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
Domestic Appliance Guard
What types of cover does Domestic Appliance Guard offer+
Domestic Appliance Guard focuses on home emergency, home warranty and landlord. That focus suits you if you want emergency help, appliance protection or landlord related cover rather than a full buildings and contents policy across many risks.
How much can be claimed for an appliance+
Cover sits at GBP 1000 per claim. You should check that cap against the likely cost of parts and labour for your appliances, as any amount above the stated cap would remain your responsibility after a claim is settled.
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.