Contents insurance

Home contents cover from £65*

Defaqto rated cover with good quality benefits as standard

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Choose the level of contents cover that's best for your home, from £40,000 to £100,000.

  • New for old – we'll replace items with new ones where available, or give you the cash.1
  • Accidental damage cover for non-portable equipment – including televisions, cookers and satellite dishes.
  • Contents in your garage, shed or outbuildings – up to £3,000 cover.
  • Fit new locks if the keys are lost or stolen – up to £1,000 cover.
  • Fridge or freezer – up to £500 damage cover for spoiled contents.
  • Money stolen from your home – up to £750 cover.
  • Garden trees, shrubs and plants that you own – up to £1,000 cover for loss or damage.
  • Garden furniture, lawnmowers and paddling pools – up to £1,000 cover.

You can find all the benefits in the Contents Insurance Policy Booklet.

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.

Home contents calculator

Do you know the total value of your contents? You can see how much cover you'll really need with our home contents calculator.

Try our calculator

Buildings insurance

Cover the structure of your home against incidents such as fire, theft, storm, flood, burst pipes, subsidence and explosion.

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Not sure what you need? Compare our levels of home 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 – 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

Protection against the cost of being sued or making a claim against someone

  • Access to a 24/7 legal helpline
  • Provides up to £100,000 cover for legal expenses
  • Plus you'll have access to a range of free online legal documents – including a free will, checked by a qualified lawyer

We’ll provide cover where it's more likely than not your claim will be successful.

More information and policy documents

Good to know

* That's what 10% of our new customers pay. Survey of new business sales from theAA.com and our call centre, December 2021 to November 2022.

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 Contents Insurance Policy Booklet has full details.

Star Rating from Defaqto. Defaqto is a leading financial information, ratings and fintech business, helping consumers, financial institutions and financial advisers make better informed decisions.

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), Financial Services Register number 310562.

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