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39#39 ON KERFUFFLE
Featured on Compare The PropTech & Kerfuffle

The UK's largest lettings insurance company - and one of the most awarded in the sector

HomeLet is part of Barbon Insurance Group and has over 30 years of experience protecting the private rental sector. Over 3,700 letting agents use HomeLet products. Their range covers tenant referencing, landlord insurance, rent guarantee, tenant insurance and emergency assistance. Sunday Times Top 100 employer, Feefo Platinum award holder. 1,394 Google reviews at 4.1 stars.

1,39
1,394+
Google reviews at 4.1 stars
3,70
3,700+
Letting agent partners
30+
30+ years
Specialist lettings insurance
300+
300+
Team members in Lincoln

Your Kerfuffle presence vs the rest of the web

Kerfuffle
57
reviews - rated
Google
1,394
reviews - 4.1 stars

You have 1,394 reviews sitting outside Kerfuffle.
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The landlord protection gap

Landlords who are not properly referenced, insured and covered for rent arrears are a liability waiting to happen.

Agents who manage properties for landlords without a complete protection stack - referencing, insurance, rent guarantee - are exposed when things go wrong. HomeLet gives agents access to the UK's most comprehensive lettings protection suite through a single partnership.

"Our landlord has been without rent for three months and the rent guarantee isn't paying out."

Rent guarantee products that do not pay on valid claims destroy landlord relationships. HomeLet's rent protection is underwritten specifically for the lettings sector and properly structured to pay when a claim is valid.

"We referenced the tenant but didn't offer insurance - now the landlord is holding us responsible."

Agents who reference tenants without offering insurance leave a gap in their service proposition. HomeLet provides referencing and insurance as complementary products through a single agent relationship.

"Our landlord's property has been empty for two months and their standard home insurance won't cover it."

Standard home insurance does not cover rental properties. HomeLet's landlord policies include up to 90 days unoccupancy cover as standard, with appropriate cover for the risks specific to renting.

"We get calls about insurance all the time but we don't have a structured product to offer."

Ad hoc insurance conversations without a vetted product are a missed revenue opportunity and a reputational risk. HomeLet gives agents a structured, FCA-regulated insurance suite to offer with confidence.

How HomeLet works for letting agents

Six services that give agents a complete protection suite for landlords and tenants.

HomeLet operates as a full-service lettings protection partner - tenant referencing, landlord insurance, rent guarantee, tenant insurance and emergency assistance, all through a single agent relationship.

1

Tenant referencing

HomeLet is one of the UK's largest tenant referencing providers. Their referencing products are available to all letting agents who partner with HomeLet, with intelligent checks that go beyond basic credit scoring.

2

Landlord buildings insurance

Purpose-built buildings insurance for rental properties. Covers fire, storm, flood, escape of water, subsidence, theft, accidental damage and more. Up to £500,000 sum insured as standard, with emergency assistance included.

3

Landlord contents insurance

Contents cover for landlord-provided fixtures, fittings and furniture. Available at two levels - limited (up to £5,000) and full (from £10,000) - with options for accidental and malicious damage by tenants.

4

Rent guarantee insurance

HomeLet's rent guarantee covers landlords against tenant default. The product is properly underwritten and designed to pay on valid claims. Fraud detection is built into the HomeLet referencing and rent protection process.

5

Tenant contents insurance

Tenant contents and tenants liability insurance to protect tenants' possessions and cover accidental damage to landlord property. Available to all tenants managed through HomeLet partner agents.

6

Emergency assistance cover

24-hour emergency helpline and assistance cover for landlords and tenants. Covers emergency boiler breakdown, heating failure, plumbing emergencies and more. Available as a standalone product or add-on to buildings and contents policies.

How it works for your lettings team

From agent partnership to fully protected tenancy - five steps.

1

Agent partnership established

You agree a partnership with HomeLet through your Kerfuffle account manager. Your team is onboarded to the referencing and insurance products. HomeLet provides training and a dedicated support contact.

2

Tenants referenced before keys are handed over

Every new tenant is referenced through HomeLet's intelligent checks. The reference result is available to you and informs the insurance underwriting.

3

Landlord insurance and rent guarantee offered

Once the tenant is referenced, HomeLet presents the appropriate landlord insurance and rent guarantee options. Your team earns on every product placed.

4

Tenant insurance offered at move-in

At the point of move-in, tenant contents and tenants liability insurance is offered to the incoming tenant. Another revenue opportunity for your agency, another protection for your landlord's property.

5

Ongoing claims handled by HomeLet's specialist team

Any claims - whether rent guarantee, buildings, contents or emergency assistance - go directly to HomeLet's specialist claims team in Lincoln. Your involvement is minimised; your landlord is served by a 300-person specialist operation.

The Kerfuffle member offer

What Kerfuffle members get with HomeLet

HomeLet (part of Barbon Insurance Group) is featured on Compare The PropTech and Kerfuffle. Kerfuffle members get a structured conversation about what HomeLet (part of Barbon Insurance Group) can do for their business before committing to anything.

What Kerfuffle members get with HomeLet

  • Dedicated HomeLet agent support contact
  • Member-only commercial terms reviewed by your Kerfuffle AM
  • Full product training for your lettings team
  • Access to HomeLet's compliance and market data resources
Kerfuffle member route

Commercial conversation first

Member terms
Reviewed before you commit

HomeLet's revenue model for agents depends on the volume and mix of referencing and insurance products placed. Kerfuffle members discuss the commercial structure with their account manager before the partnership begins.

More on Kerfuffle

Dig into the data before you book a demo.

HomeLet (part of Barbon Insurance Group)'s full Kerfuffle profile has 57 verified agent reviews, full profile, awards history and case studies. Open in a new tab - your spot on this page is saved.

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Live demo - open to all Kerfuffle members

See HomeLet (part of Barbon Insurance Group) in action before you commit to anything.

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HomeLet (part of Barbon Insurance Group) - a practical session for UK property professionals

HomeLet is a trading name of Barbon Insurance Group Limited, one of the UK's leading specialist insurance and services providers to the private rental sector. With around 300 employees at their Lincoln headquarters and over 30 years of sector experience, HomeLet serves more than ...

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Frequently asked questions

What agents ask before they get started with HomeLet (part of Barbon Insurance Group).

How many letting agents use HomeLet?
Over 3,700 letting agents partner with HomeLet for referencing, insurance or both. HomeLet is one of the most widely used lettings protection providers in the UK.
Is HomeLet FCA regulated?
Yes. HomeLet is a trading name of Barbon Insurance Group Limited, which is authorised and regulated by the Financial Conduct Authority (FCA) for insurance distribution. FCA registration number 308724.
What makes HomeLet's rent guarantee different?
HomeLet's rent guarantee is underwritten specifically for the private rental sector, with fraud detection built into the referencing process. Because the referencing and rent guarantee are designed to work together, claims on properly referenced tenancies are processed on their merits rather than contested on technicalities.
Can agents offer HomeLet insurance products to all their landlords?
Yes. Agents who partner with HomeLet can offer landlord insurance products to their entire managed portfolio, not just to landlords who are newly onboarding. Your HomeLet support contact will advise on the best approach for your portfolio.
What is the unoccupancy cover period?
HomeLet landlord policies include up to 90 days unoccupancy cover as standard. After 30 days of unoccupancy, documented property inspections are required. After 45 days, certain excesses increase. This covers the gap period between tenancies for most managed portfolios.
How does HomeLet handle claims?
Claims are handled by HomeLet's specialist claims team at their Lincoln headquarters. The team is reachable on the number in the policy documents. For rent guarantee claims specifically, the process begins when the agent or landlord notifies HomeLet of a default and provides the required documentation.
About HomeLet (part of Barbon Insurance Group)

HomeLet (part of Barbon Insurance Group) on Kerfuffle - the numbers.

HomeLet is a trading name of Barbon Insurance Group Limited, one of the UK's leading specialist insurance and services providers to the private rental sector. With around 300 employees at their Lincoln headquarters and over 30 years of sector experience, HomeLet serves more than 3,700 letting agents across the UK. They are a Sunday Times Top 100 employer and holders of the Feefo Platinum award for customer satisfaction. With 57 Kerfuffle reviews and 1,394 Google reviews at 4.1 stars, HomeLet is one of the most reviewed lettings insurance providers in the country.

1,394+
Google reviews at 4.1 stars
3,700+
Letting agent partners
30+ years
Specialist lettings insurance
300+
Team members in Lincoln
PropTech That Pays Back

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