Buildings insurance

Home buildings cover from £180*

Defaqto Star rated cover with good quality benefits as standard

We'll protect your home with the cover you need

  • Usps white tick
    Legal liability

    You'll be covered up to £2 million for your legal liability as a homeowner for accidents which happen in or around your property.1

  • Usps white tick
    What our customers say‡
  • Usps white tick
    You won't be out of a home

    If the worst should happen – fire, flood or subsidence – we'll provide alternative accommodation so your family can stay safe.2

Buildings only


Features and benefits of your cover

Defaqto 4 Star rating Defaqto 5 Star rating Defaqto 5 Star rating
Buildings Accidental Damage
Optional Optional Tick icon Included in Platinum
Home Emergency including boiler breakdown
Optional Optional Tick icon Included in Platinum
Matching suites and sets
Cross icon Not included in Silver Cross icon Not included in Gold Tick icon Included in Platinum
Buildings alternative accomodation
£25,000 £45,000 £75,000
Theft or loss of keys
£500 £750 £1,500
Trace and access source of damage
£5,000 £5,000 £10,000
Compulsory excess
£150 £125 £100

What isn't covered?

Unfortunately, we can't cover everything, including loss or damage caused by:

  • deterioration, wear and tear, corrosion and rot
  • chewing, scratching, tearing or fouling by pets
  • storm or flood damage to gates, hedges and fences

Enhance your insurance with additional cover

Buildings Accidental Damage

Protect yourself against accidental damage to your property, permanent fixtures and fittings. For example, you'll be covered for damaging a built-in appliance, breaking a window, or putting your foot through a ceiling.

Buildings Accidental Damage is included as standard with AA Platinum home insurance and AA Platinum buildings insurance.

Home Emergency including boiler breakdown

Home Emergency Cover gives you up to £500 for each claim, including parts and labour. Following an insured event, just call our 24-hour helpline to arrange urgent repairs to make your home safe and secure.

You'll get assistance with household emergencies such as:

  • Your boiler breaking down

  • Emergency roof repairs for damage caused by a storm or bad weather

  • Internal water pipe leaks and blocked drains

Home Emergency Cover is included as standard with AA Platinum home insurance and AA Platinum buildings insurance.

Good to know

* That's what 10% of our new customers pay. Survey of new business sales from and our call centre, December 2023 to February 2024.

1 Cover only applies to the property named on the policy. Cover excludes incidents resulting from the policyholder's employment or the employment of others by the policyholder.

2 We'll pay the costs we've agreed in advance for alternative accommodation if your home can't be lived in due to an insured event. The accommodation will be of a similar size and standard to your home. For any one claim, you're covered for up to £75,000 with Platinum buildings insurance, or up to £25,000 with Platinum contents insurance. The Silver and Gold levels provide lower amounts for accommodation.

AA Gold and AA Platinum home insurance have been given a 5 Star Rating from Defaqto. Defaqto is one of the UK's most trusted sources of financial product and market intelligence, supporting financial institutions, intermediaries and consumers to make smarter financial decisions.

Home insurance premiums depend on individual circumstances.

AA Buildings Insurance comes with terms and conditions. We'll send complete documentation after you have bought your policy.

AA Home Insurance is arranged by Automobile Association Insurance Services Limited. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212.

Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA), Financial Services Register number 310562.

Home insurance

0330 053 0063

Lines are open Monday to Friday 8am to 7pm, Saturday 9am to 5pm.

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