Get cover for under £57*

(that's what 10% of our customers paid)

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Home Insurance

For 120 years members have relied on the RAC to come to the rescue should the worst happen on the road. And now we’ve got your home covered too.

Rely on us to deal with your claim quickly and fairly

With our Defaqto 5 Star Rated Home Insurance you could pay less than £57*

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 £5,000 cover for contents temporarily removed from your home when attending university or college
  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 £500 replacement locks and keys for your property

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

Looking for a little extra?

 Add Home Assistance Cover for only £41.99 a year

 Add Family Legal Protection for only £23.99 a year

 Add Keycare Cover for only £18.99 a year

Get a quote    Retrieve a quote  


Or phone us for a quote on 0330 159 0981.

If you have a query regarding RAC Home Insurance purchased before the 25th February 2016^, or you purchased a policy quoted for prior to this date, please call 0333 202 3044.

More information about Home Insurance

Whether it’s your prized home entertainment devices, including gadgets, televisions, computers, games consoles and mobile phones, or special items such as jewellery, antiques or paintings, RAC Home Insurance will ensure you are safe from financial loss.

It’s not just the theft of your items that our home insurance policy will protect against. In the event of damage to your house, our policies will cover the cost of rebuilding and repairing the damage. Owning a home can feel like you’ve got the weight of the world on your shoulders at times, but with RAC Home Insurance you can take a lot of the worry out of the equation.

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


Home buildings insurance covers the structure of your home whilst contents insurance covers the possessions inside your home


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


We also provide cover for your holiday home whether it’s based in the UK or abroad


5 Star Home Insurance

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

* 10% of all customers buying Home Insurance with us from 1st July 2016 to 31st December 2016 paid less than £57. Based on RAC Home Insurance, purchased direct, 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.

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

^ These policies relate to RAC Home Insurance arranged and administered by Gallagher Heath Insurance Services, a trading name of Heath Lambert Limited, and underwritten by a panel of insurers.

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.

© 2017 RAC Motoring Services. All rights reserved.