Frequently Asked Questions (FAQs)

The cost of Home Insurance depends on a number of different things, like the area you live, the amount you want to insure your buildings and contents for and whether you want to specify any items to your policy.

Most Home Insurance policies are set up at the time the property is purchased, as most mortgage providers have this as a requirement when securing a loan on the property. But anytime of the year is a great time to set up a policy with The AA.

The length of a claim can vary depending on the type of claim and the severity of the damage. With AA Home Insurance policies we include cover for Alternative Accommodation, so if the worst happens and you have to temporarily leave your Home while repairs are being carried out, you have the piece of mind you’re covered for the costs of your temporary accommodation.

Claims can have an impact on the cost of your insurance depending on the settlement amount and type of claim. With AA Home Insurance policies, we include no claims bonus protection, so claims up to €3,000* will not impact your no claims bonus.

*This is increased to €6,000 for AA Roadside Rescue Members. Only available with AA Aviva & RSA policies.

Here at The AA we’ve always cared more about people. That’s why we make sure that our AA Home Insurance covers you and not just your home. With benefits including Family Personal Accident Cover and No Claims Discount Protection^‡, The AA protects the things that matter most to you.

^‡ Only available with AA Aviva & RSA policies.

While most Home Insurance policies cover both the buildings and contents of a property together, Contents Insurance would focus on what is inside the home only. This is a perfect cover for Tenants and Homeowners where the building itself is insured separately. It can be expensive to kit out your home or apartment, so with Contents Insurance, you will have cover for the personal possessions, furniture and electronics that make your house your home.

Home Insurance overall has two levels of cover, Buildings and then Contents Cover. Together, Buildings and content insurance is essential for protecting both your home building and personal belongings. Investing in a home is a significant financial commitment that should be safeguarded by insuring it for its accurate value to avoid becoming underinsured. Plus, your personal items hold monetary worth and insuring your home and contents helps ensure that these items are protected in case of any loss or damage.