Home insurance for £195 or less
That's what 10% of our new customers pay*
Protect your home with the cover you need
What our customers say‡
New for old
We'll replace items with new ones where available, or give you the cash.1
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
Table to show tiered cover available in Home Insurance
Description
Silver
Gold
Platinum
Silver
Gold
Platinum
Defaqto Rating
4 Stars
4 Stars
5 Stars
4 Stars
4 Stars
5 Stars
Buildings cover limit
Unlimited
Unlimited
Unlimited
Buildings alternative accommodation
£25,000
£45,000
£75,000
Buildings Accidental Damage
Optional
Optional
Contents cover limit
£50,000
£75,000
£150,000
Contents Accidental Damage
Optional
Optional
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
£5,000
£7,500
Matching suites and sets
Home Legal Expenses
Optional
Optional
Home Emergency and Boiler Cover
Optional
Optional
Enhance your insurance with additional cover
Home Legal Expenses
Home Emergency and Boiler Cover
FAQs
Policy booklets and insurance documents
Good to know
* 10% of new AA customers pay £195 or less for their home insurance. Based on new business sales from theAA.com, July 2025 to December 2025. Prices based on joint cover only.
1 We'll replace any lost, stolen or damaged items with new ones where available, or give you the cash. If a cash settlement is agreed for any items, it will be limited to the replacement cost to us. The Home Insurance Policy Booklet has full details.
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.
The underwriter of your home insurance policy will be provided from our panel of insurers.
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.