Updated September 28, 2026 · AssureCue Editorial Team
Groupama MRH vs Homeprotect
What sets them apart
| Compare |  Groupama MRH |  Homeprotect |
|---|---|---|
| Insurance types | Auto, Home, Landlord, Life, Health, Dental, Pet, Motorcycle, Gadget, Home emergency, Travel | Home, Renters, Landlord, Home emergency |
| Provider type | Insurer | Broker |
| Cover limit | Contents (capital mobilier) from EUR 10,627 on Protection Indispensable to EUR 60,402 on Protection Premium, which can also insure furniture with unlimited value | Buildings up to 1000000 GBP |
| Claims channels | Online, Mobile app, Phone, Agency | Online, Phone, Home emergency line |
| Premium from | €12.90 | Not confirmed |
| Excess from | €174 to €354 | Not confirmed |
| Age range | Reduced student tariff for tenants under 26 (2 rooms maximum) | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- Groupama MRH scores higher overall: 9.3 vs 9.0.
- Founded is lower at Groupama MRH: 1900 vs 2002.
- Insurance types: only Groupama MRH offers Auto, Life, Health.
- Insurance types: only Homeprotect offers Renters.
- Claims channels: only Groupama MRH offers Mobile app, Agency.
- Claims channels: only Homeprotect offers Home emergency line.
- Support channels: only Groupama MRH offers Chat.
Our verdict on each
Groupama MRH
Groupama MRH is a French insurer founded in 1900, with a personal book spanning motor, home, health and pet cover, and it suits households who want every policy with a single provider. Older customers in particular are the listed audience, while the catch is what a claim leaves you paying.
Homeprotect
Homeprotect is a UK home insurance broker, working since 2002, that covers home, renters and landlord policies with monthly payments only, so it suits owners and tenants who want a single monthly bill. Buildings cover is offered at Buildings up to 1000000 GBP and claims come through online, phone and home emergency line.
Score breakdown
| Area | Groupama MRH | Homeprotect |
|---|---|---|
| Cost | 8.8Claim excess runs €174 to €354, and the starting premium sits above the site median of €8.37. | 9.1Higher |
| Offer | 9.6Higher | 8.9 |
| Trust | 9.7Higher | 8.9 |
What each covers
| Insurance types | Groupama MRH | Homeprotect |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | Yes |
| Renters | No | Yes |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | No |
| Pet | Yes | No |
| Motorcycle | Yes | No |
| Landlord | Yes | Yes |
| Dental | Yes | No |
| Gadget | Yes | No |
| Home emergency | Yes | Yes |
Availability and regulation
| Country | Groupama MRH | Homeprotect |
|---|---|---|
| France | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority 304432 |
Additional countries for Groupama MRH: 1. Additional countries for Homeprotect: 1.
Where they rank in our lists
| Ranking | Groupama MRH | Homeprotect |
|---|---|---|
| Home insurance | 73 of 273 | 159 of 273 |
| Landlord insurance | 14 of 55 | 35 of 55 |
Choosing between them
Pick Groupama MRH if offer and trust matter most.
Pick Homeprotect if cost matter most.
Where these facts come from
Groupama MRH
- groupama.fr: 12 facts, checked September 26, 2026
- fr.wikipedia.org: 2 facts, checked September 26, 2026
Homeprotect
- homeprotect.co.uk: 10 facts, checked September 26, 2026
Every fact side by side
| Fact | Groupama MRH | Homeprotect |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | Assurances Mutuelles Agricoles Groupama | Avantia Insurance Limited |
| Headquarters | France | United Kingdom |
| Founded | 1900Lower | 2002 |
| Support channels | Phone, Chat, Help centreCovers more | Phone, Help centre |
Where each stands against the rest
| Fact | Groupama MRH | Homeprotect | Median |
|---|---|---|---|
| Premium from | €12.90above the median | Not confirmed | €6.02 |
| Excess from | €174 to €354above the median | Not confirmed | €50 |
Median across 116 listed insurance providers.
Pros and cons
Groupama MRH
Pros
- Auto, home, landlord, life, health, dental, pet, motorcycle, gadget, home emergency and travel are all on the book (auto, home and landlord), so policies can sit with the same insurer.
- Claims can be opened online, in the mobile app, by phone or in an agency (online, mobile app and phone), so help is not tied to a single channel.
- Monthly payments are available, so the premium is collected as a regular payment rather than a single sum.
Cons
- The excess on a home claim runs €174 to €354, so a small loss can cost you money.
- Support runs on phone, chat and help centre only, with no email route listed.
- Contents cover is capped on the entry home tier, and unlimited furniture value comes with the top tier alone.
Homeprotect
Pros
- One broker handles home, renters and landlord policies, so home, renters and landlord cover sit together.
- Claims can be opened through online, phone and home emergency line, including an online route and a home emergency line.
- Monthly payments are available, so cover is paid monthly rather than settled in a single payment.
Cons
- The payment model offered is monthly, with no annual option listed beside it.
- Support runs on phone and help centre only, so there is no listed email or chat route.
- Buildings cover tops out at Buildings up to 1000000 GBP, so homes with a higher rebuild cost need a higher limit from elsewhere.
Who each suits
Groupama MRH
Who it suits
- Households that want home, motor, health and pet cover with a single French provider.
- Older policyholders, the audience the brand is listed for.
- Tenants who are students and can use the reduced home tariff.
Who should look elsewhere
- Price-first readers, since bunq shows a premium from €0 while Groupama MRH starts at €12.90.
- Shoppers who want a leaner book, since Good Sam Insurance Agency covers auto, home and renters and leaves landlord, dental and gadget cover to others.
Homeprotect
Who it suits
- Homeowners with a rebuild cost that fits under the buildings limit of Buildings up to 1000000 GBP.
- Renters and landlords who want home, renters and landlord cover on a single monthly plan.
- People who prefer to deal with a person, since support runs on phone and help centre.
Who should look elsewhere
- Hiscox UK, whose home, renters and landlord range adds auto cover to the same home, renters and landlord policies.
- Good Sam Insurance Agency, whose auto, home and renters range puts home and renters cover beside life, health, pet and travel lines, which sit outside Homeprotect's home, renters and landlord.
Current offers
Groupama MRH
Current offer
Bonus
EUR 50 off the first year of a Groupama Habitation policy: EUR 50
Subscribe in 2026 to two new contracts, minimum annual premium EUR 100 incl. tax; 1 January to 31 December 2026; page header shows the offer running until 30 October 2026; not combinable, see conditions in agency
Source, checked September 26, 2026
First period offer
One month free on the first year of a Groupama chien-chat policy: 1 month of premium
New subscription of a Groupama assurance chien-chat, offer valid 1 January to 31 December 2026
Source, checked September 26, 2026
Country by country
| Country | Groupama MRH | Homeprotect |
|---|---|---|
| France | Yes | No |
| United Kingdom | No | Yes |
Questions about each
Groupama MRH
How much does cover start at?+
Home cover starts at a premium from €12.90, and monthly payments are available so the cost is spread out. That entry figure sits above the site median of €8.37, and the excess on a claim runs €174 to €354, so small claims can end up costing you.
Who regulates Groupama MRH?+
It is an insurer (insurer) registered in France, supervised by ACPR, the Autorite de controle des assurances et des caisses d'epargne. Because the company carries the risk itself, a claim is paid by the insurer named on the policy rather than being passed to another provider.
Homeprotect
Who is behind Homeprotect?+
Homeprotect is a broker, broker, rather than an insurer. The legal entity behind the brand is Avantia Insurance Limited. Worth knowing before you buy, because the name on your policy documents is the one to use if you need to claim.
Is Homeprotect regulated?+
Yes. The firm is authorised and regulated in the UK by the Financial Conduct Authority, listed under reference 304432. As a broker, broker, it sits under that regulation for selling and administering policies, so its status can be checked with the regulator.
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