Can someone compare HomeServe and British Gas Homecare for me?

Hi
I would really appreciate some help as I find it confusing to say the least!

My British Gas Home Care 400(Boiler,Plumbing,Electricity and Boiler Service) renewal is about £260 with£50 excess.

I looked online and found a similar service by HomeServe(HomeServce cover 8 with additional Pest,Security cover) comes to only £116 with £50 excess!

Can someone who has tried both or at least HomeServe let me know if I am not seeing anything obvious!

P.S: If 'Gerrard_8_lfc' is still around, can you give me some insight please?

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