The AA started in 1905 as a small group of motoring enthusiasts who came together to warn other drivers about speed traps.
It has since grown to offer a variety of financial products such as roadside cover, home insurance, car insurance, travel insurance and credit cards.
The AA is a public company, listed on the London Stock Exchange, and its home insurance policy is underwritten by AA Underwriting, Accredited Insurance (Europe), Acromas, Ageas, AXA, Covea, Direct Group Highway Insurance, Geo Underwriting, Integra Insurance, Fairmead, Lloyds Bank, Novae, Pen Underwriting, Royal Sun Alliance and Zurich.
The AA offers the following levels of home insurance cover:
Policy | Policy level | Buildings: maximum sum insured | Contents: maximum sum insured |
---|---|---|---|
AA Home Insurance | Standard | Unlimited | £100,000 |
AA Home Insurance Plus | Premium | Unlimited | Unlimited |
Table note: The policy scores and information in the panel and tables below are for the "Standard" level of policy
What does AA home insurance cover?
Elements marked with a ✓ are covered as standard, those marked with a ✘ are not covered as standard. Elements marked with a £ can be added to a policy for an additional cost.
✓ Burst pipes
Covers water damage caused by burst pipes in the property.
✓ Key cover
Covers the cost of replacing keys and locks in the event that your house keys are lost or stolen.
£ Accidental damage
Covers accidental damage to personal belongings, fixtures and fittings.
£ Home emergency
Covers callouts and temporary repairs resulting from a home emergency.
£ Personal possessions
Covers personal belongings against loss, accidental damage or theft when taken outside the home.
£ Legal protection
Covers legal costs resulting from claims such as property and employment disputes.
✘ Boiler cover
Covers the failure of a boiler or central heating system.
- Find out more: what is buildings insurance?
Does the AA offer the best home insurance?
Here's how the AA scored in our latest home insurance survey:

To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.
How we analyse home insurance
We analyse and rate 46 key elements of standard buildings home insurance policies to come up with the buildings policy score and 65 key elements of standard contents home insurance policies to come up with the contents policy score. We assess how important each individual element is to consumers when choosing and using a home insurance policy, and factor this in when calculating our policy scores.
Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. We then adjust the impact the more and less important elements have on the overall policy score.
AA's home insurance policy: is it good or bad?
We've rated hundreds of policy details and picked out the best and worst elements of this cover.
Members can log in to read our full policy analysis. If you're not already a member, join Which? to access this review and thousands of others.
In detail: every part of AA's home insurance rated
Table last updated in March 2022. Next update in March 2023.
Does AA offer different levels of home insurance cover?
AA also offers a Plus policy with a higher level of cover. Log in to find out how we rated it.
To see how the AA's home insurance compares with other policies check out our guide on the best and worst home insurance.
How did customers rate AA's home insurance?
As well as looking at how the AA's home insurance policies stack up against others, we've also analysed how customers feel about it.
We've rated hundreds of policy details and picked out the best and worst elements of this cover.
Members can log in to read our full policy analysis. If you're not already a member, join Which? to access this review and thousands of others.
AA home insurance customer satisfaction
How can you save money on AA home insurance?
The first offer an insurer makes isn’t necessarily the best they’re able to provide. So, before coughing up your cash, check what other insurers are offering for comparable cover and ask if your current insurer can better it.
Carefully consider what’s optionally included in the quote. You may want the confidence of an all-singing, all-dancing policy - but certain add-ons might not be for you, or could duplicate cover you already have separately.
Where you buy your cover can sometimes make a difference to what you’ll end up paying, which is why we recommend checking prices through multiple comparison sites (where available) as well as trying them direct.
AA home insurance can be purchased online and over the phone.
The AA's home insurance policy is also available via the following price comparison websites:
- Compare The Market
- Confused.com
- Go Compare
- MoneySupermarket
Above information correct as of February 2022. For more tips see our guide to getting a cheap home insurance quote.
What is the AA's home insurance claims number?
If you need to make a claim with AA home insurance you will need to call the phone number on your Statement of Insurance as soon as possible.
- Find out more: is it worth claiming on your home insurance?