AIG Home Insurance

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Rebuild Cost£50,000

5 Star home insurance from just £99
10% of all customers buying home buildings and contents insurance with us from June 2017 to August 2017 paid £99 or less (Source: Aviva). The price you pay will depend upon individual circumstances, cover chosen and payment method selected.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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Five star rated Platinum Home Insurance.
(Moneyfacts Home Insurance 2018). Choose from three levels of cover, covering some or all of: home emergency, boiler cover, family legal protection, accidental damage on both buildings and contents, personal possessions, bicycles, matching items, trace and access. Plus add optional extras. 24-hour Emergency Helpline

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UK's number 1 rated home insurance provider. We compare policies from leading providers as well as our own to find you the right cover. Prices fixed for 2 years

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Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline

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5 Star Defaqto award-winning insurer.
Pay monthly at no extra cost (0% APR Representative). Low excess of just £45 (apart from escaping water and subsidence). No hidden admin fees. 'New for old' cover. Age UK Home Insurance is administered by Ageas Retail Limited and provided by a limited panel of insurers.

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Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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Get quotes from over 65 trusted home insurance brands in minutes. 20% of consumers could achieve a saving of £158 with (based on independent research by Consumer Intelligence during 1 October to 31 October 2016)

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

Is AIG home insurance right for you?

Emergency situations cannot be anticipated 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 can happen, so it’s best to be prepared. 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 contents cover. You can normally purchase these policies together as one joint cover plan from most providers or you can purchase them separately.


AIG Home Insurance Review

AIG provides comprehensive cover with a range or extras which aren’t normally seen with typical insurance policies. This would suit people who require a high level of coverage. This policy can be personalised with optional extras.


AIG home insurance features

  • AIG provide an extra 100% of your home’s coverage limit when you need to rebuild your home in the same location (double what most insurers normally offer)
  • Your possessions are protected from being lost, broken or damaged as well as theft
  • Rental and alternative accommodation are covered in the event you can’t go home
  • They cover damage due to a burst pipe as well as more complex issues such as sewers, drains, or sump pumps
  • You are reimbursed in the event of identity theft
  • Landscaping replacement, including the removal of fallen trees is covered
  • Covered for technology to help protect your home against further damage in the future


Optional extra features

Personalised home rebuilding upgrades

This means you are guaranteed rebuilding cover in the same location to match your home’s prior quality. You are also provided with ‘green rebuilding’ which means they will cover environmentally friendly materials when rebuilding your home.


Personalised property protection

This means you are protected for valuable articles such as jewellery, fin art, antiques and collections. You are also covered for breakdown of equipment so you are saved the hassle of repairing mechanical and electrical equipment within your home.


Personalised liability coverage upgrades

This gives you excess liability insurance beyond the limits of your standard insurance policy.


What type of home insurance cover do you need?

If you are a homeowner and you live in the property, you may want to purchase a combined policy which includes both buildings and contents cover as you are personally responsible for anything that happens to your home and its contents.


However, if you are renting then you will only need to look at contents cover as your landlord is the person responsible for the structural maintenance. Nevertheless, you should always check the terms of your rental agreement to be sure.


If you are already a homeowner, or you are a first-time buyer, you should be aware that buildings insurance is one of the conditions of a mortgage offer.


If you have a specialist building such as a home with a thatched or flat roof or a listed building, you may need specialist home insurance. Many providers do offer this option but always check the policy carefully before purchasing if you think this may affect you.


The optional extras depend on your personal circumstances. Ask yourself:
  • Do you carry a lot of expensive possessions around with you?
  • Are you like to need legal assistance and if so would you be able to pay for it yourself?
  • Would covering yourself for emergencies make life significantly easier for you?