Home Insurance

Your home is your most valuable possession, so protect it well with AA Insurance HomeCover. If the worst happens, you can rest assured we'll take care of things so you can get back to normal as quickly as possible, with minimum stress and fuss.

Two levels of home insurance cover

With AA Insurance HomeCover you can choose the protection that’s right for you:

Defined events inurance

Protects your home against fires, explosions, lightning, storms, floods, earthquakes, eruptions, landslips, electrical burnouts, freezing, collisions, burglary and vandalism.

Accidental damage insurance

Protects against all the events above as well as any accidental loss or damage to your home

More policies means more savings

Insure both your home and contents with us and get a discount.

Then, if both your home and contents are damaged at the same time, you’ll only pay one excess for the claim.

Full Replacement

Full Replacement

If disaster strikes, we’ll rebuild your home as new, to the same size, with the same or similar materials and construction – regardless of cost.

Personal Customer Manager

Your personal Customer Manager

Your personal contact at AA Insurance who looks after you when you make a claim. They’ll keep you fully informed, making sure things stay on track and hassle-free.

Temporary Accommodation

Temporary accommodation

If your home is uninhabitable we’ll pay for temporary accommodation for you and your family for up to 12 months while we repair or rebuild your home.

AA Rewards Discounts

AA Rewards Discounts

Exclusive to AA Insurance! Even better value for AA Members.
AA Rewards Discounts are dollar discounts that save you money every year on key insurance policies. The longer you've been an
AA Member, the better the discount

See how much you could save

Become an AA Member

Lock replacement

We’ll pay up to $500 to replace locks or change key codes on external doors if your keys are stolen.

Gradual deterioration

We’ll pay up to $2,000 for damage caused by leaking water or waste pipes if it happened while we covered your home, and you’ve taken reasonable steps to check and maintain your home.

Legal liability cover

If an accident at your home or section damages someone else’s property we’ll protect you against any claim they make against you up to $1 million.

Loss of Rent

If you’ve let us know the house you own is rented and your tenants can’t live there because of damage, we’ll pay for the rent you lose while we repair the damage.

Landlord's fixtures and fittings

If you’ve let us know the house is rented we’ll pay up to $5,000 to cover the cost of replacing your carpet, drapes, light fittings, and plumbed-in washing machine and dishwasher.

See also

Contents insurance

Insure what helps make your house your home.

Car insurance

Competitive car insurance from the car insurance specialists.

Making a claim

Find out how to make your claim faster and simpler.

HomeCover Policy Document

Join the AA

Join the AA to get discounts on your AA Insurance premiums, enjoy the peace of mind of the roadside breakdown service and get AA rewards!

Join online