Home Insurance

Home insurance generally covers damage to the structure of your home, personal belongings, and liability for accidents that occur on your property. Covered events typically include fire, theft, vandalism, and some natural disasters like storm or flood damage. However, specific coverage and exclusions can vary depending on your policy. For example if you live in a flood prone area, your insurer may have this as an exclusion on your policy.

Home insurance typically does not cover damage from typical wear and tear, pest infestations, and issues caused by lack of general home maintenance. Separate policies may be needed for any exclusions.

This depends on the cost to rebuild your home (not just its market value), the value of your personal belongings or contents. You should ensure you have enough coverage to fully replace your home and possessions in the event of a total loss.  You can find an estimate of your rebuild costs here

Yes, you can insure specified items on your home insurance policy, there may be an additional premium for this. If you’re looking to add any specified items, you can easily do so on The AA Webchat with our Home Insurance customer service team. It would be beneficial to have a valuation ready to be sent to our customer service team

To file a claim, contact your insurance company as soon as possible. Document the damage with photos or videos and make a list of damaged or lost items. You’ll also need to provide proof of ownership for expensive items. Follow the insurer’s claims process, which might include a visit from an adjuster to assess the damage.  You can contact our home insurance first notifications claims line on 1800 100 001

Yes, most home insurance policies include personal liability coverage. This covers legal and medical expenses if someone is injured on your property, or if you accidentally damage someone else’s property. It can also cover legal defence costs if you are sued.  To find out how much is covered, read over your policy documents you have received from the AA.

No, all of the letters of indemnities issued are sent directly to the policyholder, once you receive this you will need to forward over to your mortgage provider to avoid any complications with them. These letters are found in your new business or renewal documents and are usually headlined as “notice of interest” letter.

No claims bonus protection is only available on policies underwritten by RSA or Aviva. This cover offers protection for claims up to €3,000 without your no claims bonus being affected, AA Members with Breakdown Assistance get increased benefits with these underwriters of protection up to €6,000.