AA Home insurance

The first thing you think of when it comes to the AA might be breakdown cover, but they have established themselves as one of the market leaders for household insurance products, offering a range of motor insurance, travel insurance and home insurance products to their customers.

If you want to find out more about the AA and their home insurance, you can read more below. Or if you're ready to start comparing home insurance quotes, click 'Get a quote' to get started.

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Why choose AA home insurance?

4-star Defaqto rating for their silver home insurance, plus 4.5 rating on Trustpilot
Choose from 3 levels of cover: Silver, Gold and Platinum
Choose contents, buildings, or a combined policy with a range of add-ons available

Who is the AA?

The AA (Automobile Association) might be best known for roadside assistance, but it also has a long history of providing other financial services including home insurance. The AA have built a strong reputation for customer service

AA home insurance is underwritten by a panel of carefully selected insurance providers. That means your cover is backed by trusted names in the industry, with the AA managing your policy and support.

What does the AA buildings insurance cover?

AA buildings insurance protects the structure of your home, like the walls, roof, windows and any fixed fittings.

There are 3 levels of cover to choose from – Silver, Gold and Platinum. All come with unlimited buildings cover as standard. That means you don’t have to work out your home’s rebuild cost, and you won’t risk being underinsured.

The level of cover you pick affects what else is included. With Silver, you get up to £25,000 for alternative accommodation, £2,000 theft cover for outbuildings, and £5,000 for tracing and fixing hidden leaks.

Gold increases those limits giving you up to £45,000 for alternative accommodation and £3,000 for outbuilding theft.

Go for Platinum, and you’ll get the most protection. That includes up to £75,000 for alternative accommodation cover, £5,000 theft cover from outbuildings, and £10,000 for trace and access. Home emergency cover is also included as standard, while it’s optional on Silver and Gold.

What does the AA contents insurance cover?

AA contents insurance covers the things inside your home from furniture and gadgets to jewellery and bicycle cover. If your stuff is damaged, destroyed or stolen, it helps you replace it.

You can choose a cover level between £40,000 and £100,000, depending on what you need. Or if you go for the Platinum policy, your contents cover is unlimited.

Each level of cover offers something different. Silver includes the basics, like up to £2,000 garden cover and £100 for freezer contents.

With Gold, you get more including up to £5,000 for home office equipment, £3,000 for garden items and £300 for frozen food.

Platinum gives you the most protection. That includes unlimited contents cover, £7,500 for home office gear, £5,000 for garden contents, £1,000 freezer cover and even up to £5,000 for student belongings away from home.

Use the Confused.com content insurance calculator to work out the value of your belongings.

The AA house insurance optional extras

If you're looking for a bit more cover, you can buy optional add-ons.

Here’s what you can add:

Accidental damage – Covers everyday accidents, such as smashing the screen on your phone.
Legal expenses – Up to £100,000 to help with things like personal injury claims or identity fraud.
Personal possessions – Covers items outside your home, whether it’s a stolen phone or a lost watch on holiday.

Platinum includes all of these as standard but for Silver and Gold policies, you can pay extra to add them on to your policy.