Contents insurance

Cover for your home from £60

5 star cover with the flexibility you need

Get the cover you need for your contents, with our standard home insurance. The excellent level of benefits include:

  • Automatic new-for-old cover provides replacement as new, with no depreciation applied to the value.
  • Accidental damage cover for non-portable home entertainment and electrical and gas equipment, including televisions, cookers and satellite dishes.
  • Up to £3,000 cover for contents in your garage, shed or outbuildings.
  • Up to £1,000 to cover the cost of replacing and fitting new locks if the keys are lost or stolen.
  • Fridge or freezer contents up to £500 damage cover for spoiled contents.
  • Up to £750 to cover money stolen from your home.
  • Garden cover up to £1,000 for loss or damage to hedges, lawns, trees, shrubs and plants that you own.
  • Contents in the garden up to £1,000 cover. This includes cover for patio furniture, lawn mowers and paddling pools.

See the Contents Insurance Policy Booklet for all the benefits.

Worried about the cost of switching home insurance?

We'll refund up to £25 for contents cover and £25 for buildings cover if your current insurer charges you.

Accidental loss or damage cover for household goods

You can extend your accidental damage cover to include household goods, including furniture and furnishings.

This provides cover for accidents such as an iron scorch mark on the carpet or red wine spilled on the sofa.

Accidental loss or damage cover for your personal possessions in and away from home

Get cover against accidental loss or damage for your money, valuables and personal belongings – in and away from the home – up to a maximum of £1,500 per item.

You’ll be covered for items such as:

  • watches and jewellery
  • cameras
  • laptops and tablet computers
  • mobile phones
  • portable music players
  • clothes and luggage

It includes accidents like dropping a laptop and breaking the screen, or losing a camera on holiday.

Cover for valuables and personal belongings worth over £1,500

Add items worth over £1,500 to your contents policy, to cover them against accidental loss or damage anywhere in the world.

This covers things like losing an engagement ring on a night out, or accidentally dropping a watch and cracking the glass.

The Contents Insurance Policy Booklet has full details of standard home insurance cover and additional accidental damage and away from home cover.

Legal expenses cover

Home Legal Expenses provides up to £50,000 cover for legal expenses, giving you protection against the cost of being sued or making a claim against someone. Plus you'll have access to a range of free legal documents – including a free online will, checked by a qualified lawyer.

Good to know

*Defaqto is an independent, financial research company that specialises in rating, comparing and analysing financial products.


Home insurance premiums depend on individual circumstances.

AA Contents Insurance comes with terms and conditions. We'll send complete documentation after you have bought your policy.


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). You can check their register or call the FCA on 0800 111 6768.

Call now to get a quote

0800 197 6169

Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 5pm.

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