Home insurance

Home insurance provides financial protection against damage to your home and its contents by fire, flood and theft, or another insured event.

You can choose either buildings insurance, contents insurance, or both combined.

• Buildings insurance covers the structure of your home as well as permanent fixtures and fittings.


• Contents insurance covers household goods, valuables and personal possessions inside your home.

We offer 3 levels of cover, Silver, Gold and Platinum, each offering varying features and benefits.

Do I need home insurance?

Unlike car insurance, you're not legally required to have home insurance. However, if you have a mortgage on your home then the mortgage provider will likely require you to have buildings insurance at the least.

What type of home insurance do I need?

The type of home insurance depends on whether you own or rent your home.

• Homeowners usually need both buildings and contents insurance.


• Tenants usually need only contents insurance for their belongings, as buildings insurance is the responsibility of the property owner. But if in doubt, check the terms of your rental agreement.

You can add extra cover to our home insurance, such as accidental loss or damage cover for your buildings and contents, and protection for personal possessions and valuables outside the home. Accidental loss or damage cover is included as standard with our Platinum level of home insurance.

Home Emergency and Boiler Cover and Home Legal Expenses are also included with Platinum, but you can still add them to the Silver and Gold levels.

If you're participating in the Homes for Ukraine scheme and plan to open your home to people displaced by the conflict in Ukraine, there's no need to let us know in the first 12 months and your cover will remain the same.

To support you, we'll provide the following cover:

• We'll treat your guests as a family member, rather than a visitor or paying guest.
• Your guests' belongings will be covered within your contents insurance cover level.
• Loss or damage to your home or belongings caused by an insured event like fire or theft will be covered, even if one of your guests is responsible.

Support for Ukraine – find out what we're doing.

* 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.