RAC home insurance

When you think of the RAC, you may automatically think of breakdown cover. But they offer a range of insurance products to their customers, including home insurance.

If you want to find out more about the RAC and what their home insurance covers, there's more information below. If you're ready to start comparing house insurance quotes, click 'Get a quote' to begin.

See if the RAC can offer you a home insurance quote

Get a quote

Why choose RAC home insurance?

RAC home insurance comes from one of the UK's most trusted names. You can choose buildings, contents, or combine both into a single policy - keeping things simple or tailoring your cover to fit your home.

Who is the RAC?

The RAC has been around since 1897 and is best known for keeping drivers moving with its roadside breakdown cover.

But it's not just about cars. Over the years, the RAC has grown into a trusted insurer of a wide range of insurance products, including home insurance. That means the same reliability people expect on the road can also help protect their home.

What does RAC buildings insurance cover?

RAC buildings insurance is there to safeguard the structure of your home and everything permanently part of it. That includes the walls, roof, fittings, garages and outbuildings.

It's built to cover you against unexpected problems like:

Damage caused by flooding, fire, storms, theft and vandalism
Accidental damage to underground pipes, bathroom suites and fixed glass.
Trace and access to find leaks
Loss of oil or water from heating systems and appliances
Damage to plants in your garden
Alternative accommodation if your home isn't safe to live in

Think of it as your safety net. It's designed to protect your property and help you out when things don't go as planned.

What does RAC contents insurance cover?

RAC contents insurance protects the things inside your home - from furniture and clothes to gadgets and valuables - if they're stolen, damaged or destroyed.

Cover can include:

Visitors's belongings if their possessions are lost or stolen in your home
Contents in transit when you're moving house
Outbuildings, like a garden shed, if items are stolen
Money and cards in your home
Student belongings while living in university halls or other accommodation
Accidental damage to home entertainment equipment
Freezer contents if it breaks down and you lose food

RAC house insurance optional extras

You can tailor your RAC cover with optional extras, such as:

Home assistance cover - urgent help for issues like burst pipes
Family legal cover - support with legal disputes at home, work or for items you've bought
Digital downloads - protection for things like music or movies you've downloaded legally
Personal possessions - cover for items you take outside the home, like a handbag or phone
Accidental damage - extra cover for everyday mishaps, like a spill on the rug

What RAC insurance customers say:

"Really pleased with the ease of getting insurance with RAC and happy with the deal that they offered."

Chris - RAC insurance customer (March 2026)

Excellent

RAC scores a 4.4 out of 5 rating
based on 13419 reviews as of 24/03/2026

Contact RAC about house insurance

You can call RAC's customer service team on 0333 070 2667. Lines are open 9am-6pm Monday-Friday and 9am-1pm Saturday.

Alternatively, you can talk to them through live chat via your customer account.

If you have an immediate home emergency, please check your policy information for details on who to contact.

Discover other home insurance providers

Churchill
Intelligent Insurance
John Lewis
One Call
Privilege

See all insurers

Matthew Harwood, Home & lifestyle insurance expert at Confused.com

Reviewed by Matthew Harwood Home & lifestyle insurance expert Updated on 10 September 2025