My policy had to be modified half way through the year and Homeprotect was trying to provide me with a policy which was highly inferior and unsuitable to what I had with them initially and my needs as well. I had to request the intervention of the ombudsman to have the remaining of the policy reimbursed and be "freed" from their contract . Conclusion: If you have no dealings/problems with them, they are OK. However, and this is from the experience I had, should there be a problem, they will try to crucify you and refuse to listen to you. The next question is: would I buy another insurance from Homeprotect even if it is cheaper? The answer is very easy; NO