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Buildings insurance

Unlimited rebuild costs

We'll repair any damage to your home if the worst should happen*

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Compare our cover levels  Silver, Gold and Platinum

We'll protect your home with the cover you need

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    Legal liability

    You'll be covered up to £2 million for your legal liability as a homeowner for accidents which happen in or around your property.1

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    What our customers say‡
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    You won't be out of a home

    If the worst should happen – fire, flood or subsidence – we'll provide alternative accommodation so your family can stay safe.2

Features and benefits of your buildings cover

Table to show tiered cover available in Buildings Insurance
Description AA Silver logo Silver AA Gold logo Gold AA Platinum logo Platinum
Defaqto Rating Defaqto 4 Star Rating 4 Stars Defaqto 5 Star Rating 5 Stars Defaqto 5 Star Rating 5 Stars
Buildings Accidental Damage Optional Optional Included in AA Platinum cover
Home Emergency and Boiler Cover  Optional Optional Included in AA Platinum cover
Matching suites and sets Not included in AA Silver cover Not included in AA Gold cover Included in AA Platinum cover
Buildings alternative accomodation £25,000 £45,000 £75,000
Theft or loss of keys £500 £750 £1,500
Trace and access source of damage £5,000 £5,000 £10,000

What isn't covered?

Unfortunately, we can't cover everything, including loss or damage caused by:

  • deterioration, wear and tear, corrosion and rot
  • chewing, scratching, tearing or fouling by pets
  • storm or flood damage to gates, hedges and fences

Enhance your insurance with additional cover

Buildings Accidental Damage

Protect yourself against accidental damage to your property, permanent fixtures and fittings. For example, you'll be covered for damaging a built-in appliance, breaking a window, or putting your foot through a ceiling.

Buildings Accidental Damage is included as standard with AA Platinum home insurance and AA Platinum buildings insurance.

Home Emergency and Boiler Cover

Help in the event of many home emergencies

Be prepared for emergencies that can make your home unsafe or unfit to live in. If you do suffer an unexpected crisis, such as a breakdown in your heating system, just call us on the 24-hour emergency helpline.

  • We'll pay up to £500 (including VAT) for call out, labour, parts and materials to cover an emergency service following an insured event.

  • £250 alternative accommodation cover for you, your family and your pets if your property can't be lived in following an insured event.

  • And there's no limit on call-outs.

What's covered in your home?

  • Heating and hot water system – the total failure or breakdown of your boiler, resulting in no heating or hot water.

  • Internal plumbing – water leaks from internal pipes, radiators and toilets.

  • Drainage – blockages to drains and waste pipes inside the property, which cause wastewater leaks, and rainwater drains outside.

  • Security – making your home secure following damage to external doors, locks and windows.

  • Internal gas supply – a leak from an internal gas supply pipe between the gas meter and a gas appliance, following a reported leak.

  • Pest infestation – removal of wasp or hornet nests in your home.

  • Roofing – emergency temporary repairs to your roof following damage caused by a storm or bad weather, which allows water to enter your property.

Find out what's insured and what isn't covered:

Home Emergency and Boiler Cover is included as standard with AA Platinum home insurance and AA Platinum buildings insurance.

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Compare our cover levels  Silver, Gold and Platinum

Good to know

* Only for homes with a market value of up to £1.5 million.

1 Cover only applies to the property named on the policy. Cover excludes incidents resulting from the policyholder's employment or the employment of others by the policyholder.

2 We'll pay the costs we've agreed in advance for alternative accommodation if your home can't be lived in due to an insured event. The accommodation will be of a similar size and standard to your home. For any one claim, you're covered for up to £75,000 with Platinum buildings insurance, or up to £25,000 with Platinum contents insurance. The Silver and Gold levels provide lower amounts for accommodation.

AA Gold and AA Platinum home insurance have been given a 5 Star Rating from Defaqto. Defaqto is one of the UK's most trusted sources of financial product and market intelligence, supporting financial institutions, intermediaries and consumers to make smarter financial decisions.

Home insurance premiums depend on individual circumstances.

AA Buildings Insurance comes with terms and conditions. We'll send complete documentation after you have bought your policy.

AA Home Insurance is arranged by Automobile Association Insurance Services Limited. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212.

Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA), Financial Services Register number 310562.

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