Skip to main content [Accesskey 'S']Go to home page [Accesskey '1']
Are you a business customer?
  • Broken down?|
  • Had an accident?|
  • Help and support
  • Breakdown cover
  • Report a breakdown
  • Personal breakdown cover
  • Multicar breakdown cover
  • Family breakdown cover
  • European breakdown cover
  • Motorbike breakdown cover
  • Electric car breakdown cover
  • Business breakdown cover
  • Caravan and motorhome breakdown cover
  • Instant breakdown cover
  • Report an accident
  • Wrong fuel assistance
  • Manage your cover
  • Breakdown guides
  • Car insurance
  • Multi-Car Discount
  • Van insurance
  • Electric car insurance
  • Short term car insurance
  • Motorbike insurance
  • Car insurance guides
  • Home insurance
  • Buildings insurance
  • Contents insurance
  • Home insurance guides
  • Travel insurance
  • Backpacker travel insurance
  • All insurance products
  • Car insurance claim
  • Home insurance claim
  • Manage your policy
  • MOTs
  • Car servicing
  • Mobile mechanics
  • Diagnostics
  • Brake pads and discs
  • Car battery replacement
  • Car key replacement
  • Oil and filter change
  • Vixa proactive car care
  • Wrong fuel assistance
  • Car warranty
  • Car servicing guides
  • MOT guides
  • Used cars for sale
  • New cars to lease
  • AA cars and vans
  • Car history check
  • Car warranty
  • Car finance
  • Sell your car
  • Vehicle inspection
  • Vehicle delivery
  • Car reviews
  • Car buying guides
  • Driving School
  • Driving instructor training
  • Driving School franchise
  • EV Driving School franchise
  • Driving instructor guides
  • Driving lessons
  • Refresher driving lessons
  • AA Driving Theory app
  • Manage your lessons
  • Learner driver insurance
  • Learner driving advice
  • Personal loans
  • Car loans
  • Debt consolidation loans
  • Home improvement loans
  • Manage your loan
  • Savings accounts
  • Easy Access Savings
  • AA Member Saver
  • Manage your savings
  • All finance products
  • Finance guides
  • Route planner
  • Traffic news
  • Mileage calculator
  • Fuel price report
  • Travel insurance
  • Backpacker travel insurance
  • Atlases travel guides and driving kits
  • Travel ideas and places to stay
  • Driving advice

Compare our home insurance cover levels

Buildings and contents cover

Choose from 3 levels of cover, Silver, Gold and Platinum

Get a quote
Retrieve a quote

Features and benefits of buildings and contents cover

Table to show tiered cover available in Home Insurance
Description AA Silver logoSilver AA Gold logoGold AA Platinum logoPlatinum
Defaqto Rating Defaqto 4 Star Rating 4 Stars Defaqto 4 Star Rating 4 Stars Defaqto 5 Star Rating 5 Stars
Buildings cover limit Unlimited Unlimited Unlimited
Buildings alternative accommodation £25,000 £45,000 £75,000
Buildings Accidental Damage Optional Optional Included in AA Platinum cover
Contents cover limit £50,000 £75,000 £150,000
Contents Accidental Damage Optional Optional Included in AA Platinum cover
Personal Possessions Optional Optional From £2,500
Theft from outbuildings £2,000 £3,000 £5,000
Fridge or freezer contents £100 £300 £1,000
Theft or loss of keys £500 £750 £1,500
Home office equipment Not included in AA Silver cover £5,000 £7,500
Matching suites and sets Not included in AA Silver cover Not included in AA Gold cover Included in AA Platinum cover
Home Legal Expenses Optional Optional Included in AA Platinum cover
Home Emergency and Boiler Cover  Optional Optional Included in AA Platinum cover

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
Get a quote
Retrieve a quote
Policy booklets and insurance documents
Toggle arrow

The policy booklets contain the full terms and conditions, and tell you about the the main features and limits of the cover.

If you need the policy booklets in large print, audio or Braille, please call us on:

0800 262 050

You can also contact us using Relay UK (formerly Next Generation Text).

Silver, Gold or Platinum home insurance

The information document below gives a summary of your contract with AA Insurance Services and the services we offer.

Policies started or renewed from 1 April 2026:

Information about AA Insurance Services Limited

Policies started or renewed before 1 April 2026:

Information about AA Insurance Services Limited


Policies started or renewed from 14 October 2024:

Home Insurance Policy Booklet

If your policy started before 14 October 2024, log in to your account to find all your policy documents.


Find out what's insured and what isn't covered in our home insurance:

  • Silver cover level - Insurance Product Information Document
  • Gold level cover - Insurance Product Information Document
  • Platinum cover level - Insurance Product Information Document
Standard home insurance

Please read this PDF summarising your contract with AA Insurance Services and the services we offer:

Information about AA Insurance Services Limited

Updated June 2023.



AA Buildings Insurance

Policies purchased from 8 December 2021, or renewed from 8 January 2022 onwards:

Buildings Insurance Policy Booklet

Find out what's insured and what isn't covered in our buildings insurance:

  • Insurance Product Information Document


AA Contents Insurance

Policies purchased from 8 December 2021, or renewed from 8 January 2022 onwards:

Contents Insurance Policy Booklet

Find out what's insured and what isn't covered in our contents insurance:

  • Insurance Product Information Document


Home Insurance Plus

Policies purchased from 8 December 2021, or renewed from 8 January 2022 onwards:

Home Insurance Plus Policy Booklet

Find out what's insured and what isn't covered in Home Insurance Plus:

  • Insurance Product Information Document – buildings insurance

  • Insurance Product Information Document – contents insurance
Information about additional cover
  • Home Emergency Cover
  • Home Legal Expenses

Home insurance

0330 053 0063

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

Call now

Connect with us

x logofacebook iconInsta new
  1. Homearrow-right
  2. Home insurancearrow-right
  3. Compare our home insurance cover levels
  • About us
  • Gender pay gap
  • Help and support
  • Apps
  • Careers
  • Modern slavery
  • Terms of use
  • Privacy notice
  • Privacy hub
  • Cookies

© Automobile Association Developments Ltd. 2026