Contents insurance

Choose AA Contents Insurance for your home

• Automatic new-for-old cover provides replacement as new, with no depreciation applied to the value except for household linen, clothing and pedal cycles
• 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 £500 to cover money stolen from your home
• Garden cover up to £250 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 cover summary for all policy benefits.

Switch to the AA

If you're worried about the cost of switching your contents insurance, we can help. We'll refund up to £25 for buildings insurance if your current insurer charges you for switching.

Additional contents insurance

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. This provides cover for items like watches, jewellery, cameras, laptops, tablet computers, mobile phones, portable music players, and clothes and luggage – in and away from the home – up to a maximum of £1,500 per item.

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 and worth up to £99.99.