AA Home Insurance
Compare AA Home Insurance With UK Market
Get 35% off when you buy online*
*Introductory offer is for combined buildings and contents cover, which excludes optional covers. Minimum premiums apply. Excludes SELECT Premier.
Underwritten by U K Insurance Limited
Buildings cover – Up to £1 million for damage or loss to your walls, roofs, driveways and patios, as well as permanent fixtures such as kitchen units, bathroom fittings and fitted wardrobes.
Contents cover – Up to £50,000 for your household goods on a new-for-old basis, including furniture, carpets, home entertainment equipment, frozen foods and business equipment.
Trace and access – Up to £5,000 for cost of replacing any parts of the building that were damaged to help get to escaping water.
Alternative accommodation – Up to £40,000 (if you have combined buildings and contents insurance) towards alternative accommodation for you, your family and pets if your home is uninhabitable while it’s being repaired after an insured event.
24/7 emergency helpline
Optional upgrade to Home Plus or Select Premier Insurance, giving you cover for personal possessions , accidental damage, home emergency, family legal protection, professional fees
What’s not covered
Wear and tear, maintenance and routine decoration
Theft, vandalism or accidental damage caused by a paying guest or tenant
The cost of repairing or replacing items following a mechanical or electrical fault
Damage or theft if the house has been unoccupied for more than 60 days in a row
- A personal claims manager if you need to move out of your home due to a claim
- Worldwide protection for your credit cards, debit cards and cash up to £500
- Cover for underground pipes comes as standard, so any accidental damage to those you are responsible for between your property and the mains is taken care of
- No need to specify single items worth less than £2,500 such as jewelry and paintings kept within the home
What’s not covered
- Home cover does not include loss or damage to valuables, personal belongings and pedal cycles when away from the home (available with Saga additional cover options – Personal Belongings Cover and Specified Pedal Cycles Outside the Home Cover).
- Home cover does not include loss or damage to contents in student accommodation.
- Certain loss or damage when your home is lent, shared, let or sub-let.
Cover for your property, possessions and more.
Damage to your property and possessions
- Caused by events such as fire, theft, subsidence and flooding
- Includes damage to garages and outbuildings and their contents
Cost of alternative accommodation (including loss of rent)
- We’ll pay for accommodation if your home can’t be lived in due to damage covered by your policy
- And if you’re a landlord, we’ll also cover you for any lost rent while the property is uninhabitable
Liability protection for injuries or property damage
- If you’re legally liable as the homeowner or occupier or if you’re an employer of domestic services (eg a cleaner)
What’s not covered
Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:
- Wet rot, dry rot or frost damage
- Damage that’s been caused over time
- Fences, gates or hedges damaged in a storm
- Claims for poor workmanship or faulty design
Take a look at our policy wording for full details of what’s not covered.
* Excludes Home Emergency and Home Legal expenses
- Comparing quotes from a range of providers lets you find the best deal at the best price, with the add-ons you need
- Quickly compare home insurance quotes
- We’ll show you which home insurance quotes are the cheapest along with claims experience, a quality score, home emergency cover and cover level
- Once you’ve found a policy that suits your needs, you can call or click through to apply for your home insurance policy directly with the insurer
- *51% of consumers could save up to 41.70%, or £90.17. Consumer Intelligence, November 2019
- Save £££’s online with our home insurance policies
- Buildings, contents or combined insurance available
- Add on optional extras
- Low prices with great value insurance
- Flexible, comprehensive home insurance
- CCJ’s, bankruptcy or offenders acceptable
- Cover available for vacant property
- Non standard construction insurance available
- 9 out of 10 customers rate overall claims service as excellent
What do I need to get a quote?
Getting a home insurance quote normally takes about 8 minutes. But having the following at hand could speed things up:
Your property’s build date: you can find the actual date in your mortgage survey or home buyer’s report
The date you bought your house or when you moved in.
Locks and alarms: Confused provide useful lock pictures to help you find which locks you have fitted.
Details and cost of any claims in the last five years: This’ll be stated in your renewal documents. Alternatively contact your previous insurer.
The rebuild cost of your house: Confused will often fill this in for you. But you can also calculate it yourself, or hire a chartered surveyor to carry out an assessment.
The total cost of your personal belongings: If you don’t know this, you can use the Confused.com contents calculator.
The details of any items you wish to insure that are worth over £1,000.
Roof type: Which materials are used on your roof – such as asphalt shingle, tile, slate or thatched.
What does home insurance cover?
Home insurance falls into 3 categories – buildings, contents and combined buildings and contents insurance policies.
Buildings insurance covers the bricks and mortar of your home, and contents insurance covers your belongings. Typically, contents are anything you can pack up and take with you if you move home, such as furniture, clothes, and TVs.
Combined buildings and contents insurance policies can help reduce the cost of home insurance, but they’re usually only suitable if you own your home. They insure your property against damage, but also cover your belongings under the same insurance policy.
You can compare all three policy types through Confused.com.
You can also add optional extras to your policy, such as home emergency cover and legal cover – however, some providers might include these as standard. Accidental damage cover is another extra worth considering, as it covers unintentional one-off incidents that harm your property or its contents.
For example, putting your foot through the floor when you’re up in the loft, or spilling red wine on the carpet.
- Cheaper insurance based on what you actually own – Every policy includes a free video survey with one of our accredited surveyors – meaning that in just 15 minutes, you’ll have an accurate figure of the exact level of cover you need
- Quick and easy claims – for items under £5,000 the survey will also serve as proof of ownership – meaning smoother, faster claims
- Get a quote in 60 seconds
- Your data is protected by bank and government grade technology, ensuring the highest levels of security and privacy. Your data will never be shared without your consent
- No cancellation fees
- No administration fees to make changes
- 24/7 UK based claims service
- Contents cover can include bicycle & gadget cover
- Damaged items get replaced with new
- Underwritten by Great Lakes, a fully owned subsidiary of Munich Re Group who are one of the world’s leading reinsurers
AA Home Insurance
No one can anticipate an emergency situation and so people are rarely financially prepared for when their home is subject to an accident, adverse weather damage, a fire or theft. However, these things do happen, building repairs are expensive and with most properties holding approximately £25,000 of contents, home insurance is a good way to be ready for the worst.
Home Insurance is generally separated in to buildings and content cover. You can normally purchase these policies together as one joint cover plan from most providers or you can purchase them separately. Buildings insurance will cover the structure of your building and will include the walls, windows, floors and ceilings; it will also include the fixed amenities in your household, such as the bathroom and kitchen suites. Contents insurance will cover your personal items, including jewellery, as well as your electronics, carpets, curtains etc.
AA Home Insurance Review
- AA Home Insurance has been awarded a 5 Star Rating from Defaqto for the 4th year running
- Flexible to suit your needs. A good level of cover comes as standard or you can choose even higher levels of cover if you need it.
They offer two levels flexible levels of Insurance:
- Flexible levels of contents cover which starts from £40,000 • Unlimited buildings cover for homes which is worth up to £1 million
- Alternative accommodation cover up to £25,000 if you cannot live in your home due to an insured event
- Accidental damage cover for non-portable gas and electrical items, such as a TV or washing machine
- Up to £3000 cover for items stolen from outbuildings or garages
Home Insurance Plus:
Their highest level of coverage with useful additions included in one package.
- Unlimited contents and buildings cover
- £50,000 alternative accommodation cover if you cannot live in your home due to an insured event
- Accidental damage cover for your building and its contents
- Up to £7,500 insured for items stolen from your outbuildings/garage
- Home Cover for valuables up to £5000 both in and away, such as your phone and laptop
- Unlimited cover for replacements locks and keys if your keys are lost or stolen anywhere in the world
- They will replaces items new for old, so won’t apply any depreciation to their value
Useful to Know
- AA offer 50% off breakdown cover for a year for new home insurance customers
- Extra add-ons include: legal expenses cover, home emergency cover and home emergency response
- Renewal fee may be applied
Choosing Home Insurance
When you’re choosing your home insurance, there are many things to consider. We’ve narrowed down some of the key elements of home insurance which you should be looking for
- Make sure they offer enough cover – Do you need building and contents insurance? It’s generally advised that you take out both but it does depend on your individual circumstances.
- Make sure the policy provides enough cover for you – All policies have their limits and it’s wise to make sure that your home is covered for the rebuild value rather than the market value. Cost your contents to make sure the policy will be enough to cover it all, most people vastly underestimate how much their home contents are worth.
- New for Old – New for Old cover for your possessions is worth considering, it’s offered as standard in many contents policies now. It simply means that you will receive a similar but new product to the old item, rather than the value of the old one.
- What excess are you able to pay? – Many home insurance policies come with excess charges, both voluntary and compulsory, so make sure your chosen provider’s excess policy works for you.
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