LAST REVIEWED: JUNE 2026
AA home insurance scores 64/100 on the KT Score. The AA offers buildings insurance, contents insurance and combined buildings and contents cover through AA Financial Services Limited (FRN 310164). Policies are available on comparison sites and direct. AA members receive a discount on home insurance. The AA's home insurance participates in the Flood Re reinsurance scheme, meaning properties in high flood-risk areas may be eligible for flood cover at affordable rates. The 64 score reflects FCA standing and Flood Re participation, offset by pricing that is not consistently market-leading and limited public claims data specific to the home insurance product.
Buildings vs contents vs combined: which to choose
Buildings insurance covers the structure of the property including walls, roof, floors, permanent fixtures and fittings, and outbuildings such as garages and garden walls. It is compulsory for mortgaged properties; the mortgage lender requires buildings insurance as a condition of the loan. Buildings insurance covers damage from fire, flood, subsidence, storm, escape of water and impact. It does not cover general wear and tear, gradual deterioration or maintenance costs.
Contents insurance covers the policyholder's possessions within the home including furniture, electronics, clothing, jewellery and appliances. It is not compulsory but is advisable for households with material personal possessions. Contents insurance covers theft, fire, flood and accidental damage where the accidental damage add-on is selected. High-value items such as jewellery, watches and bicycles above a specified single-article limit must be individually listed on the policy to be fully covered.
Combined buildings and contents cover from the AA provides both under a single policy with one renewal date. The combined policy typically produces a saving relative to purchasing buildings and contents separately, and simplifies the insurance management to a single insurer and renewal event. For households that own their home and have material personal possessions, combined cover is the most straightforward approach.
Flood Re participation
The AA's home insurance participates in the Flood Re reinsurance scheme. Flood Re was established in 2016 as a joint initiative between the UK government and the insurance industry to ensure affordable flood insurance remains available to the approximately 350,000 UK homes at highest flood risk. Under Flood Re, the flood risk element of participating insurers' policies is reinsured through the Flood Re pool at a fixed premium determined by council tax band, making flood cover accessible at manageable rates for high-risk properties that would otherwise face unaffordable premiums or be unable to obtain cover.
Flood Re participation is not automatic for all AA home insurance policies; the scheme applies to eligible residential properties in the UK. Properties built after 1 January 2009 are excluded from Flood Re. Commercial properties and buy-to-let properties are also excluded. Households in flood-risk areas should confirm Flood Re eligibility when obtaining a quote from the AA.
Subsidence cover
AA buildings insurance includes subsidence cover as standard on the comprehensive tier. Subsidence is the downward movement of the ground beneath a property and is among the most costly claims for home insurers, particularly in areas with clay subsoils or near mature trees. Standard buildings policies include subsidence cover but typically apply a higher excess to subsidence claims than to other perils. The AA's subsidence excess and the cover limit should be confirmed in the policy schedule before purchasing, particularly for properties in areas known for subsidence risk.
Home emergency add-on
The AA offers a home emergency add-on to its home insurance policy covering urgent repairs to boilers, plumbing, drainage, electrical systems and home security. This add-on is separate from the AA's standalone home emergency product. When combined with home insurance, the home emergency cover provides a single point of contact for both insurance claims and emergency repair call-outs. The excess and call-out limit for the home emergency add-on are specified in the policy schedule and differ from the main buildings excess.
AA home insurance vs competitors
| Insurer | KT Score | Flood Re | Comparison sites | Best for |
|---|---|---|---|---|
| AA | 64 | Yes | Yes | Members, flood-risk properties |
| Aviva | 68 | Yes | Yes | Claims service, high-value homes |
| Direct Line | 61 | Yes | No | Direct pricing, loyal customers |
Disclaimer: This review is produced by Kael Tripton Ltd for informational purposes only. It does not constitute financial advice. Kael Tripton Ltd is not FCA authorised. Company No. 17177071, ICO ZC135439.
Frequently asked questions
Does AA home insurance cover flood damage?
Yes. AA home insurance covers flood damage as a standard peril under buildings and contents policies. The AA participates in the Flood Re reinsurance scheme, meaning properties in high flood-risk areas built before 1 January 2009 may access flood cover at rates capped by the scheme. Properties built after that date are excluded from Flood Re and may face higher flood premiums or limited availability depending on their flood risk assessment.
Is AA home insurance available on comparison sites?
Yes. AA home insurance is available on UK price comparison sites including MoneySuperMarket, Compare the Market and Confused.com. This allows the AA's premium to be benchmarked against the full market. AA members should compare the member-discounted direct quote against comparison site prices to confirm which produces the lower premium for equivalent cover.
What does AA buildings insurance not cover?
AA buildings insurance does not cover general wear and tear, gradual deterioration, maintenance costs, or damage that develops over time rather than from a sudden event. Deliberate damage, damage caused by vermin or insects, and damage to gates and fences in storm conditions are typically excluded. The specific exclusions are set out in the policy wording, which should be read before purchasing rather than relying on the summary documents alone.
Can I get AA home insurance without being an AA member?
Yes. AA home insurance is available to non-members. AA members receive a discount but membership is not a prerequisite for obtaining cover. Non-members can purchase AA home insurance directly or through comparison sites at the standard rate. For non-members, the value of obtaining AA membership specifically to access the home insurance discount depends on whether the discount exceeds the cost of AA membership.
