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Buildings insurance

Home buildings cover from £182*

Defaqto Star rated cover with good quality benefits as standard

Compare our cover levels 

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‡
    Trustpilot
  • 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

Features and benefits of your buildings cover

Table to show tiered cover available in Buildings Insurance
Description AA Silver logo Silver AA Gold logo Gold AA Platinum logo Platinum
Defaqto Rating Defaqto 4 Star rated home insurance4 Stars Defaqto 4 Star rated home insurance4 Stars Defaqto 5 Star rated home insurance5 Stars
Buildings Accidental Damage Optional Optional Included in AA Platinum cover
Home Emergency and Boiler Cover  Optional Optional Included in AA Platinum cover
Matching suites and sets Not included in AA Silver cover Not included in AA Gold cover Included in AA Platinum cover
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

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
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Home Emergency and Boiler Cover
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Compare our cover levels 

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Rated Excellent on Trustpilot

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* That's what 10% of our new customers pay. Based on new business sales from theAA.com, July 2025 to December 2025. Prices based on buildings cover only.

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.

‡ Based on AA Car Insurance and AA Home Insurance combined customer reviews.

AA Platinum home insurance has 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: Level 3, Plant, Basing View, Basingstoke, Hampshire RG21 4HG. 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.

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