50% of customers paid less than £146 for RAC Home Insurance*

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Home Insurance

9 out of 10 customers would recommend us^

Home is where you should feel safe and secure - and here at the RAC we want to keep it that way. RAC Home Insurance provides peace of mind by protecting your home against damage.

We offer both buildings insurance and contents insurance for homeowners and tenants. Buildings insurance covers the structure of your property, while contents insurance covers items and possessions within the home. You can buy these separately, or as a joint policy.

Get a quote for RAC Home Insurance and we can cover your home and all the contents within it.

Rely on us to deal with your claim quickly and fairly

With our Defaqto 5 Star Rated Home Insurance, 50% of customers paid less than £146*

Alternative accommodation if your home isn’t safe to live in**

Why choose RAC Home Insurance?

  1. New for Old cover – if you make a claim, we’ll replace lost, stolen or damaged items with a like-for-like new item
  2. Up to £75,000 alternative accommodation for you and your family, if your home isn't safe to live in
  3. Up to £500 replacement locks and keys for your property
  4. Up to £1,000 per claim on outside contents including garden furniture and BBQs that are stolen or damaged
  5. Up to £5,000 cover for trace and access of leaks
  6. Up to £5,000 cover for contents temporarily removed from your home when attending university or college

Limitations and exclusions apply. Please read the policy documents for full details


Buildings Insurance

Home buildings insurance covers the structure of your property - walls, doors, the roof, floors, windows and any other permanent fixtures, such as a garage or shed.

RAC home buildings insurance covers the following as standard:

  • Fire and explosions
  • Storms, earthquakes and floods
  • Subsidence
  • Escape of water (e.g. burst pipes)
  • Trees, aerials or satellite dishes falling on your property
  • Burglary & Vandalism
  • Impact damage from vehicles
  • Liability

Optional extras include Home Assistance - 24-hour assistance with home emergencies - Family Legal Protection and Keycare Cover.

Contents Insurance

Home contents insurance protects against damage, loss or theft to your possessions within the home.

RAC home contents insurance includes the following as standard:

  • Damage to furniture, carpets and curtains and other items
  • Damage to and loss of electrical goods, clothing and jewellery
  • New for old cover - we'll cover the cost of replacing an item with its new equivalent of similar value.

Optional extras include accidental damage cover, cover while abroad and personal possessions cover. Further details of cover and exclusions can be found in the Policy Document.

Why choose RAC Home & Contents Cover?

We have provided car and vehicle breakdown cover for our members for over 100 years and we extend that same level of care and protection to homeowners.

RAC Home Insurance cover gives you peace of mind, knowing that damage to your home can be covered through buildings insurance while items stolen, lost or damaged will be covered through contents insurance.

There are also a range of optional extras available, so you can tailor your policy exactly to your needs. RAC Home Insurance cover was awarded a five-star rating by Defaqto in 2018.

Looking for a little extra?

 Add Home Assistance Cover for only £41.99 a year

 Add Family Legal Protection for only £21.99 a year

 Add Keycare Cover for only £19.99 a year


Get a quote    Retrieve a quote  

 

Or phone us for a quote on 0330 159 0981.

View all the optional extras available when you purchase RAC Home Insurance

  

All the information you need to retrieve a quote, amend your policy or make a claim

  

An extensive glossary of all the terms relevant to your RAC Home Insurance policy

  

To help you make the right decision and get the best deal, read our home insurance guides.

  

A home is made of more than bricks & mortar, we know your possessions are important to you, that's why we provide flexible contents insurance.

  

Buildings insurance cover for the structure of a property, including the roof, walls and fixed units, as the RAC explains.

  

What our customers are saying

Completely happy with your service it's a reason why I insure my Car, Home, and have breakdown cover with RAC

Mrs M - Glasgow

It was pleasure to deal with someone so helpful and who could answer all my questions.

Miss C - London

Fantastic value for money compared to my previous insurer.

Miss C - Spalding

Very quick, easy and fast.

Miss T - Weston-Super-Mare

I would just like to say it was refreshing for an insurer not to increase the premium for an existing customer.  Thank you.

Mr D - Dorchester

Everything was simple and easy to access.

Mr G - Kent

Spoke to a representative who was very helpful. This is the main reason for taking out the policy.
 

Mr I - Stockport

A great experience.

Mr L - Shipley

The lady that dealt with my queries was very knowledgeable & I would like to thank her for all her help whilst going through the policy.

Mrs D - Dunstable

The lady I spoke to on the phone was amazing. Super polite, explained everything for me and made it a pleasant experience!

Mrs F - Barnstaple

A very simple and efficient process.

Mrs M - Telford

The ‘RAC’ are the Lions in the Jungle of Insurance - I trawled through several Insurance Company to find the best deal for our Home Insurance. The ‘RAC’ won by a mile in every single aspect.  I cannot advise the RAC on how to improve only congratulate. 

Mrs O - Redcar

Overall a very easy and straightforward process. Very happy indeed.

Mrs P - Abergavenny

It was a pleasure to deal with the RAC Insurance and it was good to also speak to a person who very kindly guided me through the policy once I had got my quote.

Mrs S - Hyde

Friendly professional help with warmth and patience thrown in. Excellent customer service. Thank you.

Mrs S - Staffordshire

Your service compared with my previous policy provider was excellent. I spoke with two representatives and it was reassuring to know I was in safe hands. I cannot think of any way you could improve the service, the manner in which my policy was created was most professional.

Prof C - Carlisle

5 Star Home Insurance

RAC Home Insurance has been awarded a 5 star rating by Defaqto.

Frequently Asked Questions

Q. What do I need to get a quote?
To get a home insurance quote you'll need to share some basic personal details, including full name and date of birth and of course, details about the property that needs to be insured. As well as address and postcode, you should expect to supply information about the size and age of the property, the type of property - flat, bungalow, semi-detached, detached or terrace house, for example - and what level of security the house has, such as a house alarm.

You will also need to provide details of any claims made or losses by anyone living at the property in the past 5 years, whether they were insured or not.
Q. How long does it take to get a quote?

We make it quick as possible to get a home insurance quote, whether that's online or on the phone.  Simply provide a few details online and we will send you a quote for your policy within minutes. You can also retrieve a saved quote.

If you prefer to call, our phone number is 0330 159 0981.

Q. What are the different types of insurance?
There are three types of home insurance cover. Buildings insurance covers the structure of your property. Contents insurance covers possessions inside your property. Buildings and contents insurance covers both.
Q. What does buildings insurance cover?

The structure of a property typically includes the walls, roof, floors, doors and windows of a house. Buildings insurance will cover any damage to these areas of the property. It can also often include permanent fixtures such as fitted kitchen units and bathroom suites. Our home insurance also covers sheds and greenhouses.

Your property should be insured for the amount of money it would cost to rebuild. Buildings insurance is usually a compulsory condition if you have a mortgage, but you don’t have to take it with your lender. You can buy it from a home insurance provider, such as the RAC.

Q. What does contents insurance cover?
Contents insurance - also referred to as contents cover - looks after the items in your property. This typically includes things like carpets, curtains, furniture, clothes, televisions, fridges, freezers, washing machines and so on. It can also include jewellery. You can also add specific items to your policy if you want the added reassurance that these are covered.

When obtaining contents insurance, you should set an estimated cost for replacing these items. Don't underestimate - in the event of a claim, make sure you have enough money to properly replace any item that has been damaged.
Q. Can you cover my listed property?
We cover some listed buildings, this is dependent on Underwriter approval. You may be asked additional questions about your property to enable us to determine whether or not we can cover it.
Q. Is there a No Claims discount?
Yes - a no claims discount is a reward to policyholders who haven't made a claim on their home insurance cover. However, whilst a discount is possible at renewal, it’s not certain that you will receive one.
Q. What about my garage and shed?
Any outbuildings are usually covered by buildings insurance - and that includes greenhouses, too. If you have them, make sure you include your garage and shed on your home insurance policy. If you have items of particular value and worth within these outbuildings - such as bikes – these can be added to your cover.
Q. Do you cover accidental damage?
Accidental damage cover isn't typically included in our standard contents cover, but you can add this on if you require it. If you have young children, pets or are planning a DIY project bear in mind that if you cause any damage to the property yourself - drilling through a water pipe for example - you won't be covered unless you have opted to add accidental damage cover.
Q. What if I plan to rent out the property?
If you plan to rent out a property, you will still need to have buildings and contents insurance in place. The structure of the property remains at risk of damage, as with any house or apartment. You will also want to make sure the contents inside are protected with contents cover, especially if the property is being rented as furnished. That's your furniture inside, after all. You can add accidental damage cover too as an optional extra, in case tenants spill anything on the carpets, for example.
Q. Do I need subsidence insurance?
Subsidence is when the ground beneath a property's foundations is unstable or begins to sink, which can then lead to damage - you may notice cracks appearing. Policies can vary but buildings insurance usually protects against new subsidence.  If there has been any history of subsidence at your property or adjacent properties, you need to tell us this at quote stage.

If you live in what is considered a high-risk subsidence area, your policy cost may reflect this.
Q. Do I need different cover if I work from home?
This is definitely something to be aware of. If you work from home on a regular basis and use equipment specifically for business - such as a company laptop you may want to cover this within any contents insurance.
Q. How do I get cheap home insurance?
For the majority of people their home is their most valuable asset and also the most expensive purchase they will make in their lifetime. Don't be tempted to take a cheap policy that could leave you exposed financially should disaster strike. It’s important you review what home insurance can cover, as well as the price, and make sure you have the right insurance in place for your circumstances.

Instead of looking for cheap cover, consider ways of reducing your premium when it's time to renew your home insurance quote.

Taking out joint buildings and contents cover with the same insurer can sometimes cost less than two separate policies, and increasing your voluntary excess can also reduce the overall price.

Paying for your home insurance in full every year, instead of monthly payments - which usually incur interest charges - can lower your total insurance costs.
Q. How much Buildings cover do I need?
RAC will cover your home for the rebuild value as you won’t have to buy the land again, so the cost of rebuilding is usually lower than its overall value. This should include the cost of any fittings such as bathroom and kitchen units, the Association of British Insurers have a free calculator that allows you to login in and answer questions based on house size and number of rooms to provide a good estimate.
Q. What isn’t covered by Buildings Insurance?

While we aim to make our buildings insurance as comprehensive as possible there are a number of aspects that are not covered within the policy, such as:

  • General wear and tear
  • Pollution
  • Damage caused by insects and vermin

You will also not be covered if you have caused the damage yourself - such as DIY disasters - unless you add accidental damage cover to your policy.

Also, if your home will be or has been left unoccupied for more than 45 days, please let us know to avoid any issues should you wish to make a claim. Further details of cover and exclusions can be found in the Policy Document.

Q. How much Contents cover do I need?
It’s important you don’t underestimate the value of your contents, as in the event of a total loss, you would be expected to pick up the shortfall. When valuing your home contents, be sure to take into account the cost of replacing carpets and soft furnishings as well as clothing, electrical equipment and furniture. Insurers have the right to reduce any settlement proportionately. For example, if you insure your property or possessions for half the value, the insurer may only pay half the claim.

Go round each room separately - including your shed and outbuildings - making a list of all the items in there and estimating how much they’d cost to replace. Take note of any risk items, which usually includes desirable items that could be easily removed from the property, such as mobile phones, laptops and jewellery.

You might be surprised at the total.
Q. What is new for old cover?
Our contents policies provide cover for your possessions on a ‘new for old’ basis. This means that if you make a claim we will pay the cost of replacing an item with its new equivalent. So if you’re claiming for the theft of a television that’s now only worth £100 second hand, your replacement will be a brand new model of similar quality.
Q. What is single item cover?
The ‘single article limit’ is the most the insurer will pay out in the event of a claim for any one item, and for RAC Home Insurance customers, this is a maximum of £1,500. So if you have an engagement ring, piece of artwork or a valuable worth more than the single article limit, you need to tell your insurer about it (and you may pay a bit extra to get it covered).
Q. What extras do I need?
Accidental damage cover can be added to your RAC home contents insurance, so if you have young children or do a lot of DIY, you might want to pay a bit extra to add this to your policy. Personal possessions cover is another optional extra. This can cover your laptop, camera and even money (to the value of £350) when taken away from the home. We also extend cover for when you are abroad. We have listed the available Optional Extras for ease.

For further information on home insurance, speak to one of our home insurance team on 0330 159 0981.
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*50% of all customers buying Home Insurance with us from 1st January 2018 to 30th June 2018 paid less than £146. Based on policies purchased direct, combined buildings and contents policies only, excluding any additional products and upgrades, with payment on an annual basis. Your premium will depend on your circumstances and the level of cover you choose.

^ Based on a survey of new RAC Home Insurance customers between 1st January and 30th June 2018. 1,571 of 1,681 customers scored us 6 or more out of 10, therefore 92.4% (9 out of 10) are likely to recommend us to a friend or family member. 

† Up to £20,000 alternative accommodation for contents only policies

RAC Insurance is a trading name of RAC Financial Services Limited. Registered in England and Wales No. 5171817. Registered office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Car Insurance and RAC Home Insurance are arranged and administered by BISL Limited, which is an independent intermediary, and is underwritten by a panel of insurers. Registered in England no. 3231094. Registered office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. Both companies are authorised and regulated by the Financial Conduct Authority.

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