Updated September 29, 2026 · AssureCue Editorial Team
Hometree vs Select & Protect
Where Hometree and Select & Protect differ
| Compare | Hometree ReviewSee alternativesSee alternatives |  Select & Protect |
|---|---|---|
| Insurance types | Home emergency, Landlord | Travel, Pet, Home, Home emergency, Legal expenses |
| Excess from | £0Lower | £50 |
| Cover limit | no set repair limit | Up to £10 million medical expenses - Gold travel policy |
| Claims channels | Online, Phone | Online, Phone, EmailCovers more |
| Premium from | £12.95 | Not confirmed |
| Age range | Not confirmed | Single-trip up to 100 |
Same on both: Provider type (Broker), Monthly payments (Yes).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Select & Protect scores higher overall: 9.0 vs 8.9.
- Excess from is lower at Hometree: £0 vs £50.
- Insurance types: only Hometree offers Landlord.
- Insurance types: only Select & Protect offers Travel, Pet, Home.
- Claims channels: only Select & Protect offers Email.
- Support channels: only Select & Protect offers Help centre.
Our verdict on each
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.
Select & Protect
Select and Protect suits seniors and households wanting travel, pet, home and emergency cover arranged in a shared place. Travel excess sits at £50 with Monthly payments marked yes, while Gold travel medical cover reaches Up to £10 million medical expenses - Gold travel policy.
Score breakdown
| Area | Hometree | Select & Protect |
|---|---|---|
| Cost | 9.1HigherPremiums start at £12.95 with excess of £0 on monthly terms. | 9.0Excess for travel claims sits at £50 with Monthly payments marked yes. |
| Offer | 8.8Covers home emergency and landlord with no set repair limit and billing via monthly. | 9.5HigherPortfolio spans travel, pet and home with Gold medical cover at Up to £10 million medical expenses - Gold travel policy. |
| Trust | 8.8Broker broker run by Hometree Services Limited under Financial Conduct Authority authorisation 935444. | 8.8Operates as broker under licence 597211. |
Pick Hometree if, pick Select & Protect if
Pick Hometree if excess from matter most.
Pick Select & Protect if offer and claims channels matter most.
Licences and countries
| Country | Hometree | Select & Protect |
|---|---|---|
| United Kingdom | Financial Conduct Authority 935444 | Financial Conduct Authority 597211 |
Available in 1 country for both.
What we checked
Hometree
- hometree.co.uk: 11 facts, checked September 29, 2026
Select & Protect
- selectandprotect.co.uk: 12 facts, checked September 29, 2026
How they place
| Ranking | Hometree | Select & Protect |
|---|---|---|
| Home insurance | 208 of 272 | 180 of 272 |
| Home emergency cover | 8 of 11 | 7 of 11 |
Every fact side by side
| Fact | Hometree | Select & Protect |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | Hometree Services Limited | Hood Group Limited |
| Headquarters | United Kingdom | United Kingdom |
| Support channels | Email, Chat, Phone | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Hometree | Select & Protect | Median |
|---|---|---|---|
| Premium from | £12.95above the median | Not confirmed | £7.95 |
| Excess from | £0below the median | £50above the median | £25 |
Median across 51 listed insurance providers.
Pros and cons
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
Select & Protect
Pros
- Travel cover notes seniors with age reach at Single-trip up to 100, which suits older travellers.
- Gold travel medical cover reaches Up to £10 million medical expenses - Gold travel policy, giving generous emergency care headroom abroad.
- Monthly payments is marked yes with pet billing on monthly, helping you spread costs.
Cons
- As broker, policy terms and claims handling sit with partner insurers rather than Select and Protect itself.
- Travel excess applies at £50, so modest claims may leave you funding a visible share yourself.
- Cover focuses on travel, pet and home, so riders seeking auto or life cover may prefer die Bayerische.
Who each suits
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
Select & Protect
Who it suits
- Seniors seeking travel cover with later life age reach, where andsafe may feel less focused on that group.
- Households wanting pet, home and legal expenses together, where Hiscox may feel more home and landlord led.
Who should look elsewhere
- Riders seeking auto or motorcycle cover, where Hiscox may fit better given its broader motor related options.
- Households seeking life, health or income protection, where die Bayerische may fit better given its wider personal cover range.
Country by country
| Country | Hometree | Select & Protect |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
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.
Select & Protect
What excess applies to a Select and Protect travel claim?+
Travel excess applies at £50. You fund that share of each approved claim, with the insurer meeting the balance under policy terms. Review the schedule before you buy so the outlay feels clear and expected.
Can you spread premiums with monthly payments?+
Monthly payments is marked yes and pet cover uses monthly. You can spread premiums across the year rather than settling the full term in a lump sum. Check whether instalment terms add fees or alter cancellation rights.