AA home insurance in 60 seconds
AA Home Insurance at a glance (2026)
Could you save by switching?The AA is competitive on Home Plus but mid-pack on basic Home cover, see our independent guide to UK insurance providers for a side-by-side comparison.
AA home insurance cover and tiers in 2026
AA home insurance is sold as a broker product: each quote is placed with the cheapest underwriter on the AA panel that meets your risk profile. The 2026 line-up has three named tiers, all available as buildings only, contents only or combined. The combined policy is normally cheapest, and a single excess applies to a single event affecting both buildings and contents.
The AA home insurance product range
AA Home
Mid-range policy covering buildings to £1m, contents to £50,000 and single-item limits of £1,500. Accidental damage and home emergency are optional add-ons.
- Up to £1m buildings cover.
- Contents to £50,000.
- Optional accidental damage.
AA Home Plus
Includes everything in AA Home plus full accidental damage as standard, higher single-item limits and home emergency cover. Buildings sum insured is unlimited.
- Unlimited buildings cover.
- Accidental damage included.
- Home emergency response included.
AA Home Extra
Top-tier policy with the highest sums insured, £5,000 single-item limits, family legal protection and worldwide personal possessions cover (up to £5,000) as standard.
- Single-item limit £5,000.
- Worldwide personal possessions.
- Family legal protection included.
Holiday Home
For second homes in the UK or in Spain, France, Portugal, Italy, Greece, Cyprus, Bulgaria and Ireland. Covers buildings, contents, outbuildings, garages and pools.
- UK & selected EU countries.
- Pool & outbuilding cover.
- Up to £1,000 emergency travel.
Landlord
Buildings and contents for properties let to private tenants. Includes loss of rent up to £25,000 and optional landlord legal expenses cover.
- Loss of rent up to £25,000.
- Property owners' liability included.
- Optional legal & rent protection.
Home Emergency
24/7 emergency response for plumbing, drains, electrics, locks, pests and windows. Labour and parts up to £500 per incident. Boilers covered on Plus and Extra.
- 24/7 emergency callout.
- Up to £500 per incident.
- Boiler cover on Plus & Extra tiers.
Home vs Home Plus vs Home Extra
| Feature | Home | Home Plus | Home Extra |
|---|---|---|---|
| Buildings sum insured | Up to £1m | Unlimited | Unlimited |
| Contents sum insured | Up to £50,000 | Up to £75,000 | Unlimited |
| Single-item limit (valuables) | £1,500 | £2,500 | £5,000 |
| Alternative accommodation | Up to £45,000 | Up to £75,000 | Unlimited |
| Lock & key replacement | Up to £1,000 | Up to £2,500 | Unlimited |
| Accidental damage | Optional | Included | Included |
| Home emergency | Optional | Included | Included (boiler covered) |
| Family legal protection | Optional | Optional | Included |
| Worldwide personal possessions | Optional | Up to £3,000 | Up to £5,000 |
| Student possessions | Not available | Up to £3,000 | Up to £5,000 |
| Defaqto rating (2026) | 4 stars | 5 stars | 5 stars |
Source: AA policy summaries and IPID documents, May 2026.
The 10% AA member discountPaid AA breakdown members get an automatic 10% discount on AA home insurance bought direct from theaa.com. The discount applies on top of any new-customer or multi-product offer, so it pays to log in to My AA before running a quote.
AA home insurance prices in 2026
After two years of double-digit increases, UK home insurance premiums fell 2.5% in Q1 2026 as claims inflation eased, according to the ABI's Home Insurance Premium Tracker. The AA continues to undercut the market average on combined buildings and contents, especially for Home Plus, but is closer to mid-pack on standalone contents-only cover.
| Policy | UK average annual premium | AA member quote | AA non-member quote |
|---|---|---|---|
| Combined buildings & contents | £276 | £241 | £268 |
| Buildings only | £152 | £138 | £153 |
| Contents only | £112 | £103 | £115 |
| AA Home Plus, combined | £324 | £291 | £323 |
Source: ABI Home Insurance Premium Tracker Q1 2026 + Selectra quote tests on theaa.com (3-bed semi, £200,000 rebuild value, £40,000 contents, May 2026).
Excess: AA home insurance carries a compulsory excess of £100 on most claims (rising to £1,000 for subsidence and £250 for escape of water). You can choose a voluntary excess from £50 to £500 to lower the premium.
My AA login for home insurance
The My AA account is shared across breakdown, motor, home and travel insurance. From the app or web account you can:
- View, download and email your policy schedule, IPID and key facts at any time.
- See your renewal date and price three weeks before renewal, and switch auto-renewal on or off.
- Add or remove sub-tenants, lodgers, valuables and high-risk items above the standard single-item limit.
- Start and track a claim, including uploading photos, receipts and contractor estimates.
Forgotten your password?Reset it via the My AA login page using the email address on your policy. The reset link is valid for one hour; if it expires, use the help options in My AA or on the AA's official website to have it reset.
AA home insurance cancellation policy
The AA gives you a 14-day cooling-off period from the date you receive your documents (or from when cover starts, if later) to cancel and get most of your money back. After that, you can still cancel but the fees increase.
| Scenario | Refund | Fees |
|---|---|---|
| Cancel within 14 days, cover not yet started | Full premium refunded | £25 arrangement fee returned |
| Cancel within 14 days, cover has started | Pro-rata refund for unused cover | Minimum £20 charge; arrangement fee retained |
| Cancel after 14 days, no claim | Pro-rata refund for unused cover | Minimum £20 charge, £55 cancellation fee |
| Cancel after a claim | No refund of remaining premium | £55 cancellation fee still applies |
AA home insurance cancellation fees as published in 2026 IPID documents.
AA home insurance customer service
The AA runs a different line for each need, and one detail is worth knowing before you dial: AA home insurance claims are not a 24-hour service, unlike the car claims line and the two home-emergency lines. These are the numbers the AA publishes on its own contact pages:
| Line | Number | Hours |
|---|---|---|
| Home insurance quotes | 0330 053 0063 | Mon-Fri 8am-7pm, Sat 9am-5pm, Sun closed, bank holidays 9am-5pm |
| Home claims and existing customers | 0370 606 1617 | Mon-Fri 8am-7pm, Sat 9am-5pm, Sun closed |
| Managing an existing claim on an AA-underwritten policy | 0330 102 8795 | Mon-Fri 8.30am-5pm, weekends and bank holidays closed |
| Home Emergency Cover callout | 0330 053 0394 | 24/7, free to call |
| Home Emergency Response (Home Insurance Plus) | 0800 316 3983 | 24/7, free to call |
| Breakdown, to report a UK breakdown | 03330 046 046 | 24/7 |
| Suspected gas leak (National Gas, not the AA) | 0800 111 999 | 24/7 |
Source: theaa.com home insurance and breakdown contact pages, verified 15 September 2026. Note that the AA's own home claims landing page publishes no number at all and says "You register your claim directly with the insurer. Their contact details are on your Statement of Fact", because the AA is a broker: the number above reaches the AA, and your claim is handled by whichever panel insurer wrote your policy.
How to contact the AA
- ✓By phone: the right number for a quote, a home claim, the 24/7 home emergency line, a policy change or a complaint is printed on your policy schedule and the official AA contact pages.
- ✓In the app or online: manage your policy, download documents and start or track a claim from your My AA online account or the iOS and Android app.
- ✓Suspected gas leak: in a gas emergency, call the National Gas Emergency Service on 0800 111 999 immediately, this is a public 24/7 emergency line, not an AA number.
- ✓Official website: find current numbers, live chat and online forms on the AA's official insurance page.
How to claim on AA home insurance
- Call the AA home claims line printed on your policy schedule as soon as you can (claims are handled 24/7), or start the claim in My AA.
- For theft or burglary, call the police first and get a crime reference number; the AA needs it before authorising the claim.
- Take photos and keep receipts or proof of ownership for any damaged or stolen items.
- The agent issues a claim reference and either dispatches an AA-approved tradesperson or asks you to get up to two estimates.
- For a home emergency (no heating, burst pipe, lockout) use the 24/7 emergency number on your policy documents; legal advice runs through the legal helpline number shown on your schedule.
Writing to the AA about home insurance
For policy correspondence, claims and legal expenses, write to the address printed on your policy schedule, this routes your letter to the correct department for your cover. You can confirm the right postal address on the AA's official website.
AA home insurance reviews and ratings
Customer reviews of AA home insurance look different on each platform, the same pattern we see across the big UK brokers. Industry ratings on Defaqto and Fairer Finance are strong; aggregator review sites are more critical, mainly on renewal pricing.
| Platform | Score | Reviews | Main themes |
|---|---|---|---|
| Feefo (home insurance) | 4.5/5 | 2,400+ | Easy quote, polite agents, fast document delivery |
| Trustpilot, "The AA Breakdown Cover" profile | 4.8/5 | 243,725 | Rates breakdown cover, not home insurance: read it as a roadside score |
| Fairer Finance home insurance | 3 stars | Industry-led | Mid-pack on transparency, above average on claims |
| Defaqto AA Home Plus | 5 stars | Features-based | High level of standard cover, generous single-item limits |
| Which? Home insurance survey 2025 | 3/5 | Consumer panel | Average on price, strong on claims handling speed |
Trustpilot figure checked 15 September 2026 at uk.trustpilot.com/review/www.theaa.com; the other ratings were collected in May 2026 from Feefo, Fairer Finance, Defaqto and Which?. The AA's only Trustpilot profile is filed under The AA Breakdown Cover, so its 4.8 is a rating of roadside rescue rather than of home insurance. Treat any page quoting it as "the AA insurance score" with suspicion, including older versions of this one.
What customers like
- Defaqto 5 stars on Home Plus and Home Extra for both buildings and contents, with generous standard limits.
- Home emergency response at £500 per incident is a popular bundle, available 24/7 with AA-approved tradespeople.
- Combined household discount works well when you also have AA car insurance and breakdown cover on one account.
- Claims line answered quickly, with fast cash settlements for low-value contents claims under £500.
Common criticism
- Renewal price hikes after the first year, especially when the underlying underwriter on the panel changes.
- £100 compulsory excess on most claims is double the £50 some competitors offer.
- Boiler cover is not included in the basic Home Emergency add-on; you need Home Plus or Home Extra for boiler breakdown.
Selectra's verdict on AA home insurance in 2026
Strengths: a 5-star Defaqto product on Home Plus and Home Extra, generous standard cover, strong member discount, fast cash-settlement of small claims and a useful Home Emergency bundle.
Weaknesses: assertive renewal pricing, high compulsory excess and a £55 cancellation fee outside the 14-day window. The basic AA Home tier is mid-pack on features, so most customers are better off paying up for Home Plus.
If you already pay for AA breakdown cover, the 10% member discount usually makes AA Home Plus competitive against the cheapest aggregator quote. Even so, run a side-by-side comparison with Direct Line, Aviva and John Lewis Finance before you renew, our UK insurance providers guide has the live rankings.
AA home insurance FAQ
Not always. The AA is a broker, so it places your policy with one underwriter from a panel that includes Allianz, Aviva, AXA and AA Underwriting. Your certificate of insurance will name the underwriter; that company handles claims. The AA itself manages quotes, renewals and first-notice-of-loss calls.
Yes. Paid AA breakdown members get 10% off home insurance bought direct from theaa.com (online or by phone). The discount is automatically applied when you log in to My AA before running the quote and is on top of any new-customer promotion. It does not show on aggregator sites.
Yes. All three AA home insurance tiers cover damage caused by storms and floods. Buildings and contents are covered up to the sums insured on your policy schedule. As with most UK insurers, the AA places certain flood claims through the Flood Re reinsurance scheme so high-risk postcodes remain insurable at affordable prices.
Only on the higher tiers. The basic Home Emergency add-on covers plumbing, drains, electrics, locks, pests and broken windows up to £500 per incident, but not the boiler. AA Home Plus and AA Home Extra include boiler breakdown as standard, with an annual service excluded.
Call the cancellations number printed on your policy schedule, or start a cancellation from My AA and an agent will call you back. Within the 14-day cooling-off period the AA refunds the premium minus a small admin fee. After 14 days, expect a pro-rata refund minus a £55 cancellation fee.
Almost certainly. Even small home claims are noted on the Claims and Underwriting Exchange (CUE) database for five years and will push the next premium up by 10–25%, depending on the cause. For minor escape-of-water or accidental-damage claims under £500, weigh up whether to claim at all, sometimes paying the repair out of pocket protects your no-claim discount.