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Contents insurance

Home contents cover from £50*

Defaqto Star rated cover with good quality benefits as standard

Compare our cover levels 

We'll protect your home with the cover you need

  • Usps white tick
    Choice of home cover

    Choose from the Silver, Gold or Platinum levels of cover for your home. Each level has different features and benefits

  • Usps white tick
    New for old

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

  • Usps white tick
    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
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Home Legal Expenses
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Contents calculator 

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* That's what 10% of our new customers pay. Based on new business sales from theAA.com, July 2025 to December 2025. Prices based on contents cover only.

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.

‡ Based on AA Car Insurance and AA Home Insurance combined customer reviews.

AA Platinum home insurance has 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: Level 3, Plant, Basing View, Basingstoke, Hampshire RG21 4HG. 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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