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, the AA helpdesk on 0344 209 0556 can reset it for you.
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 uses different phone lines depending on what you need. Numbers in Selectra blue are the ones most home insurance customers need on day one.
Contact the AA by phone
Home insurance quotes
New customers
0800 197 6169
Mon–Fri 08:00–20:00, Sat 09:00–17:00
Top lineHome claims
Theft, fire, water damage
0344 841 1310
24/7
Top lineHome emergency
Plumbing, electrics, drains
0800 316 3983
24/7
Change policy details
Combined home policy
0343 316 1617
Mon–Fri 08:00–20:00, Sat 09:00–17:00
Change policy details
Buildings or contents only
0344 854 0100
Mon–Fri 08:00–20:00, Sat 09:00–17:00
Legal expenses claims
Legal advice helpline
0161 428 7039
24/7
Gas emergency
National Gas, suspected leak
0800 111 999
24/7
SMS (deaf or HoH)
Text relay for claims
07860 002 999
24/7
Complaints
Customer relations team
0344 843 8358
Mon–Fri 09:00–17:00
How to claim on AA home insurance
- Call the AA home claims line on 0344 841 1310 as soon as you can (24/7).
- 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 home emergencies (no heating, burst pipe, lockout) use the 24/7 emergency line on 0800 316 3983; legal expenses go through 0161 428 7039.
AA home insurance head office
The Automobile Association Ltd, Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Legal expenses claims go to Lambert House, Stockport Road, Cheadle, Cheshire SK8 2DY. For policy correspondence, always use the address on your policy schedule.
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 (all AA products) | 4.5/5 | 130,000+ | Strong service overall, criticism focused on renewal prices |
| 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 |
Ratings collected May 2026 from Feefo, Trustpilot, Fairer Finance, Defaqto and Which?.
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 0343 316 1617 (combined policy) or 0344 854 0100 (buildings or contents only). 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. You can also start a cancellation from My AA and an agent will call you back.
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.