Home Insurance

Protect the place that matters most with great value home insurance

You could get your home insurance for less than £173 - that's what more than half our customers paid!*

Up to 12% online discount
Legal cover up to £50,000 including a 24 hour legal helpline
Popular elements included as standard - from replacement locks to basic accidental damage
Cover tailored to suit you - choose from a wide range of optional extras

To find out more, call 0844 546 0537

(Lines are open Monday-Friday 8am to 8.30pm, Saturday 9am to 6pm)

Calls may be recorded or monitored.

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Why choose RAC?

Select the level of cover that's right for you, and only pay for what you need

Fire or flood? We'll find you and your family somewhere to stay
Up to 12% online discount
Keycare provides up to £1000 cover for replacement locks should your keys become lost or stolen
Contents cover includes up to £500 of musical downloads
UK only call centres if you need to talk to us about your home insurance

Optional cover - add extras to your home insurance

Extended accidental damage to contents: in case you spill that glass of wine on your new carpet
Extended accidental damage to buildings: put your foot through the ceiling? It's covered
Personal effects: your belongings covered when you're out and about (available when you insure your contents)
Cover for personal money, frozen food and pedal cycles

Could you save money with RAC Home Insurance?

Call 0844 546 0537 today.

Optional Home Emergency Cover

Emergency helpline available 24 hours a day 365 days a year
£500 limit per incident and no policy excesses
Normally same-day attendance by an approved contractor
Emergency cover for the loss of essential services to your home


*: 51% of all customers buying home insurance with us from 1st March 2011 to 29th February 2012 paid £173 or less. Based on all policies (buildings, contents and combined). The premium you will pay will depend on individual circumstances, cover chosen and payment method selected.
: RAC Insurance is a trading name of RAC Financial Services Limited. Registered in England No. 5171817. Registered Office: RAC House, Brockhurst Crescent, Bescot WS5 4QZ. RAC Home Insurance is introduced by RAC Financial Services Limited to Heath Lambert Limited. Insurance is arranged and administered by Heath Lambert Limited. Registered in England No. 1199129. Registered Office: 9 Alie Street, London, ED1 8DE. Both companies are authorised and regulated by the Financial Services Authority.

Got a question?

Additional questions

How do I make a home insurance claim? If you purchased your policy before 6th January 2011 …

If you purchased your policy before 6th January 2011 please call our claims line on 0844 891 1129 (Mon - Friday 8am - 10pm, Sat 8am to 6pm, Sun 10am to 4pm. Calls charged at local rate).

If you purchased your policy on or after 6th January 2011 please call 0844 546 0541 (Mon - Friday 8am - 8pm, Sat 9am to 12pm. Calls charged at local rate).

Do you offer new-for-old replacement? Yes, we'll normally replace …

Yes, we'll normally replace your household items with new ones of the same specification. In some cases - such as for clothes and linen - there are restrictions due to wear and tear.

Do you offer Home Emergency Cover? Yes, Home Emergency cover is a valuable extra cover …

Yes, Home Emergency cover is a valuable extra cover that complements your standard Buildings and Contents insurance and is available for just £6.02 a month.

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