Contents insurance
Home contents cover from £50*
Defaqto Star rated cover with good quality benefits as standard
Compare our cover levels Silver, Gold and Platinum
We'll protect your home with the cover you need
New for old
We'll replace items with new ones where available, or give you the cash.1
What our customers say‡
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
Silver
Gold
Platinum
Silver
Gold
Platinum
Defaqto Rating
4 Stars
5 Stars
5 Stars
4 Stars
5 Stars
5 Stars
Contents cover limit
£50,000
£75,000
£150,000
Contents Accidental Damage
Optional
Optional
Home Legal Expenses
Optional
Optional
Home office equipment
£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
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
Insurance Product Information Document
Home Legal Expenses is included as standard with AA Platinum home insurance and AA Platinum contents insurance.
Contents calculator Check your level of contents cover
Good to know
* 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.
Find help or contact options
We’ve got online solutions, account log in, live chat and more – so you can complete your task or get support.
Connect with us
