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Contents insurance

Burst pipe? No problem

We’ll sort any water damage to all your contents*

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Compare our cover levels  Silver, Gold and Platinum

We'll protect your home with the cover you need

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    New for old

    We'll replace items with new ones where available, or give you the cash.1

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    What our customers say‡
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    You won't be out of a home

    If the worst should happen – fire, flood or subsidence – we'll provide alternative accommodation so your family can stay safe.2

Features and benefits of your contents cover

Table to show tiered cover available in Contents Insurance
Description AA Silver logo Silver AA Gold logo Gold AA Platinum logo Platinum
Defaqto Rating Defaqto 4 Star Rating 4 Stars Defaqto 4 Star Rating 5 Stars Defaqto 4 Star Rating 5 Stars
Contents cover limit £50,000 £75,000 £150,000
Contents Accidental Damage Optional Optional Included in AA Platinum cover
Home Legal Expenses Optional Optional Included in AA Platinum cover
Home office equipment Not included in AA Silver cover £5,000 £7,500
Contents alternative accomodation £10,000 £15,000 £25,000
Theft from outbuildings £2,000 £3,000 £5,000
Fridge or freezer contents £100 £300 £1,000
Theft or loss of keys £500 £750 £1,500

What isn't covered?

Unfortunately, we can't cover everything, including loss or damage caused by:

  • deterioration, wear and tear, corrosion and rot
  • chewing, scratching, tearing or fouling by pets
  • storm or flood damage to gates, hedges and fences

Enhance your insurance with additional cover

Accidental loss or damage cover for your personal possessions

You can protect valuables and personal belongings worth up to £2,000 each (and money up to £750) against accidental loss or damage away from home. So you'll be covered if you lose a mobile phone or if your bicycle is stolen.

Valuables and personal belongings worth over £2,000 can be listed separately on your home insurance policy.

You'll be covered for items such as:

  • watches and jewellery

  • cameras

  • laptops and tablet computers

  • mobile phones

  • portable music players

  • clothes and luggage
Home Legal Expenses

Protect yourself against the cost of being sued or making a claim against someone

You'll be covered for legal costs for pursuing, defending and managing disputes.

  • Access to a 24/7 legal helpline

  • Up to £100,000 cover for legal expenses

  • Plus access to a range of free online legal documents – including a free will, checked by a qualified lawyer

What's covered?

We'll provide cover where it's more likely than not your claim will be successful for disputes in relation to:

  • Death, physical injury or clinical negligence

  • Contract disputes for goods and services, or buying and selling your property

  • Protection of property (excluding boundary disputes)

  • A full enquiry into your tax affairs

  • Defence against your legal rights as an employee

Find out what's insured and what isn't covered:

Home Legal Expenses is included as standard with AA Platinum home insurance and AA Platinum contents insurance.

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Contents calculator  Check your level of contents cover

Good to know

* Excludes loss or damage if your home is unfurnished or unoccupied at the time of the loss or damage. Or if the loss or damage is caused by subsidence, heave or landslip. Any damage to walls and floors caused by tracing a leak will be covered on a buildings or joint insurance policy, and we won't repair the leak itself.

1 We'll replace any lost, stolen or damaged items with new ones where available, or give you the cash. If a cash settlement is agreed for any items, it will be limited to the replacement cost to us. The Home Insurance Policy Booklet has full details.

2 We'll pay the costs we've agreed in advance for alternative accommodation if your home can't be lived in due to an insured event. The accommodation will be of a similar size and standard to your home. For any one claim, you're covered for up to £75,000 with Platinum buildings insurance, or up to £25,000 with Platinum contents insurance. The Silver and Gold levels provide lower amounts for accommodation.

AA Gold and AA Platinum home insurance have been given a 5 Star Rating from Defaqto. Defaqto is one of the UK's most trusted sources of financial product and market intelligence, supporting financial institutions, intermediaries and consumers to make smarter financial decisions.

The underwriter of your home insurance policy will be provided from our panel of insurers.

AA Home Insurance is arranged by Automobile Association Insurance Services Limited. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212.

Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA), Financial Services Register number 310562.

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