Updated September 29, 2026 · AssureCue Editorial Team
Hometree vs YourRepair
What sets them apart
| Compare | Hometree ReviewSee alternativesSee alternatives |  YourRepair |
|---|---|---|
| Premium from | £12.95 | £7.52Lower |
| Insurance types | Home emergency, LandlordCovers more | Home emergency |
| Cover limit | no set repair limit | Unlimited repair costs |
| Claims channels | Online, Phone | Online portal, Phone |
| Provider type | Broker | Not confirmed |
Same on both: Monthly payments (Yes), Excess from (£0).
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Key differences
- Premium from is lower at YourRepair: £7.52 vs £12.95.
- Insurance types: only Hometree offers Landlord.
- Claims channels: only Hometree offers Online.
- Claims channels: only YourRepair offers Online portal.
- Support channels: only Hometree offers Email, Chat.
- Support channels: only YourRepair 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.
YourRepair
YourRepair suits households wanting dedicated home emergency cover with monthly payments and phone based help alongside portal claims. Premiums start at £7.52 while Unlimited repair costs applies and excess sits at £0 for clear upfront costs each month.
Score breakdown
| Area | Hometree | YourRepair |
|---|---|---|
| Cost | 9.1Premiums start at £12.95 with excess of £0 on monthly terms. | 9.2HigherPremiums start at £7.52 with excess at £0 and monthly payments available. |
| Offer | 8.8HigherCovers home emergency and landlord with no set repair limit and billing via monthly. | 8.4Cover centres on home emergency with Unlimited repair costs and claims via online portal and phone. |
| Trust | 8.8Broker broker run by Hometree Services Limited under Financial Conduct Authority authorisation 935444. | Not confirmed |
Positions in our rankings
| Ranking | Hometree | YourRepair |
|---|---|---|
| Home emergency cover | 8 of 11 | 9 of 11 |
Licences and countries
| Country | Hometree | YourRepair |
|---|---|---|
| United Kingdom | Financial Conduct Authority 935444 | Not confirmed |
Available in 1 country for both.
Sources behind this comparison
Hometree
- hometree.co.uk: 11 facts, checked September 29, 2026
YourRepair
- yourrepair.co.uk: 10 facts, checked September 28, 2026
Every fact side by side
| Fact | Hometree | YourRepair |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Hometree Services Limited | YourCare Services Ltd |
| Headquarters | United Kingdom | United Kingdom |
| Support channels | Email, Chat, Phone | Phone, Help centre |
Where each stands against the rest
| Fact | Hometree | YourRepair | Median |
|---|---|---|---|
| Premium from | £12.95above the median | £7.52below the median | £7.95 |
| Excess from | £0below the median | £0below 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
YourRepair
Pros
- Unlimited repair costs keeps eligible repair bills predictable.
- Excess sits at £0 with monthly payments available.
- Claims run through online portal and phone for direct access.
Cons
- Covers home emergency only, so wider home or contents needs require another provider.
- Support runs on phone and help centre only, without live chat or email contact.
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
YourRepair
Who it suits
- Choose YourRepair over Hiscox where dedicated home emergency cover matters more than business protection.
- Choose YourRepair over Barmenia where Unlimited repair costs and phone claims handling matter most.
Who should look elsewhere
- Pick Allianz Malaysia over YourRepair where broader household, motor or travel needs call for auto, motorcycle and home.
- Pick Hiscox over YourRepair where business cover matters more than dedicated home emergency help.
Country by country
| Country | Hometree | YourRepair |
|---|---|---|
| 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.
YourRepair
What does YourRepair cost?+
Premiums start at £7.52 on monthly plans, which helps spread the yearly cost across regular billing. Monthly payments are available, so cover can be managed alongside household budgets without paying a large sum at renewal.
What type of insurance does YourRepair offer?+
Cover centres on home emergency, which keeps the product focused on urgent home faults. That focus suits buyers who already hold buildings or contents cover and want separate help for sudden breakdowns that need fast repair.