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Compare our home insurance cover levels

Buildings and contents cover

Choose from 3 levels of cover, Silver, Gold and Platinum

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Features and benefits of buildings and contents cover

Table to show tiered cover available in Home 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 cover limit Unlimited Unlimited Unlimited
Buildings alternative accommodation £25,000 £45,000 £75,000
Buildings Accidental Damage Optional Optional Included in AA Platinum cover
Contents cover limit £50,000 £75,000 £150,000
Contents Accidental Damage Optional Optional Included in AA Platinum cover
Personal Possessions Optional Optional From £2,500
Theft from outbuildings £2,000 £3,000 £5,000
Fridge or freezer contents £100 £300 £1,000
Theft or loss of keys £500 £750 £1,500
Home office equipment Not included in AA Silver cover £5,000 £7,500
Matching suites and sets Not included in AA Silver cover Not included in AA Gold cover Included in AA Platinum cover
Home Legal Expenses Optional Optional Included in AA Platinum cover
Home Emergency and Boiler Cover  Optional Optional Included in AA Platinum cover

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
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Policy booklets and insurance documents

The policy booklets contain the full terms and conditions, and tell you about the the main features and limits of the cover.

If you need the policy booklets in large print, audio or Braille, please call us on:

0800 262 050

You can also contact us using Relay UK (formerly Next Generation Text).

Silver, Gold or Platinum home insurance

Please read this PDF summarising your contract with AA Insurance Services and the services we offer:

Information about AA Insurance Services Limited

Updated September 2024.

Policies started or renewed from 14 October 2024:

Home Insurance Policy Booklet

Policies started or renewed before 14 October 2024:

Home Insurance Policy Booklet

Find out what's insured and what isn't covered in our home insurance:

Standard home insurance

Please read this PDF summarising your contract with AA Insurance Services and the services we offer:

Information about AA Insurance Services Limited

Updated June 2023.


AA Buildings Insurance

Policies purchased from 8 December 2021, or renewed from 8 January 2022 onwards:

Buildings Insurance Policy Booklet

Find out what's insured and what isn't covered in our buildings insurance:


AA Contents Insurance

Policies purchased from 8 December 2021, or renewed from 8 January 2022 onwards:

Contents Insurance Policy Booklet

Find out what's insured and what isn't covered in our contents insurance:


Home Insurance Plus

Policies purchased from 8 December 2021, or renewed from 8 January 2022 onwards:

Home Insurance Plus Policy Booklet

Find out what's insured and what isn't covered in Home Insurance Plus:

Information about additional cover

Home insurance

0330 053 0063

Lines are open Monday to Friday 8am to 7pm, Saturday 9am to 5pm.

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