Buildings insurance
Home buildings cover from £182*
Defaqto Star rated cover with good quality benefits as standard
Compare our cover levels Silver, Gold and Platinum
We'll protect your home with the cover you need
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
What our customers say‡
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
Silver
Gold
Platinum
Silver
Gold
Platinum
Defaqto Rating
4 Stars
4 Stars
5 Stars
4 Stars
4 Stars
5 Stars
Buildings Accidental Damage
Optional
Optional
Home Emergency and Boiler Cover
Optional
Optional
Matching suites and sets
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
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 and Boiler Cover
Help in the event of many home emergencies
Be prepared for emergencies that can make your home unsafe or unfit to live in. If you do suffer an unexpected crisis, such as a breakdown in your heating system, just call us on the 24-hour emergency helpline.
- We'll pay up to £500 (including VAT) for call out, labour, parts and materials to cover an emergency service following an insured event.
- £250 alternative accommodation cover for you, your family and your pets if your property can't be lived in following an insured event.
- And there's no limit on call-outs.
What's covered in your home?
- Heating and hot water system – the total failure or breakdown of your boiler, resulting in no heating or hot water.
- Internal plumbing – water leaks from internal pipes, radiators and toilets.
- Drainage – blockages to drains and waste pipes inside the property, which cause wastewater leaks, and rainwater drains outside.
- Security – making your home secure following damage to external doors, locks and windows.
- Internal gas supply – a leak from an internal gas supply pipe between the gas meter and a gas appliance, following a reported leak.
- Pest infestation – removal of wasp or hornet nests in your home.
- Roofing – emergency temporary repairs to your roof following damage caused by a storm or bad weather, which allows water to enter your property.
Find out what's insured and what isn't covered:
-
Home Emergency and Boiler Cover
Insurance Product Information Document
Home Emergency and Boiler Cover is included as standard with AA Platinum home insurance and AA Platinum buildings insurance.
Compare our cover levels Silver, Gold and Platinum
Good to know
* 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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