Home emergency cover

Cover for home emergencies

24/7 helpline and unlimited call-outs

Add extra protection to your property when you get a home insurance quote. Our Home Emergency Cover gives you a 24-hour helpline and unlimited call-outs.

The helpline provides assistance for emergency repairs to make your home safe and secure, with up to £500 towards the cost of the repairs, following an insured event:

  • Flooding or a significant risk of flooding caused by blocked drains, burst or blocked pipes, or damage to your water or heating system.
  • Damage to an internal gas supply pipe between the meter and a gas appliance, following a reported leak.1
  • Fire or burglary, where immediate repairs are required and possible.
  • Damage to external doors, locks or windows which affects the security of your home.
  • Removal of wasp or hornet nests attached to the premises.

You can add Home Emergency Cover when you buy home insurance online, or give us a call:

  • If you rent the property, check that the landlord doesn't already have similar cover in place
Policy documents

The policy wording booklet contains the full terms and conditions, and tells you about the the main features and limits of the cover.

Please read all of the information relating to your policy before you buy Home Emergency Cover.

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

Home Emergency Cover Policy Wording


Policies purchased between 15 September 2021 and 7 December 2021, or renewed between 16 October 2021 and 7 January 2022:

Home Emergency Cover Policy Wording

Policies purchased on or before 14 September 2021 with cover starting between 1 September 2020 and 13 November 2021, or

Policies renewed between 1 September 2020 and 15 October 2021:

Home Emergency Cover Policy Wording



Good to know

1 The cover excludes leaks resulting from either the repair or replacement of the gas appliance, or the servicing or repair of your boiler or central heating system.

It also excludes any breakdown related to the domestic boiler and the controls, and leaks from an appliance.


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

0800 197 6169

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

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Home emergency 24/7 helpline

0800 316 3984

Get help for your household emergency.

Call now