AA Home insurance UK

This is a specialist page for AA Home Insurance and house contents insurance. Disclaimer The following details are not an endorsment of AA Home Insurance.

The AA offers either

• Buildings insurance
  Contents insurance (max £45,000)
  
• Buildings and Contents insurance
  

included in the policy:

• accidental damage (for buildings and contents)
  
• Legal cover (for buildings and contents, see terms below)
  

Straightforward all in one policy with no extra options to choose.

Buildings Insurance

• Full replacement cost or repair
  
• Full cover for accidental damage (eg putting your foot through the ceiling from the loft)
  
• Alternative accommodation if house uninhabitable due to an insured peril – up to £10,000
  
• Architects, surveyors and legal fees
  
• Following loss or damage from an insured peril, costs associated with complying with
  
• statutory building regulations
  
• Up to 90 days' cover on both properties when moving house (certain restrictions apply)
  
• Property owners' third-party liability – up to £1,000,000
  
• Legal liability for properties previously owned – up to £1,000,000
  
• Legal helpline
  
• Disaster helpline
  
• Home emergency cover, which will cover the cost of emergency repairs in a variety of
  
• specified situations

Contents Insurance

• New for old basis
  
• Accidental damage – television, video, audio and home computer equipment whilst in the home
  
• Accidental damage – other non-portable electrical/gas appliances (eg microwave)
  
• Items in course of professional removal
  
• Furniture in storage for up to 14 days, during course of removal
  
• Contents normally in the open, within the property's boundaries (excluding storm or flood damage) – up to £500
  
• Items temporarily removed from the home – up to £5,000
  
• Freezer contents – up to £500
  
• Alternative accommodation if house becomes uninhabitable due to an insured peril – up to total of 20 per cent of maximum sum insured
  
• Legal helpline
  
• Disaster helpline
  
• Replacement door and window locks plus alarms/safes following loss or theft of keys – up to £250
  
• Money – up to £300
  
• Credit cards – up to £500
  
• Guests' personal effects – up to £250
  
• Christmas seasonal increases – ten per cent increase in insured value (1 December to 6 January)
  
• Weddings increase – ten per cent increase in insured value (one month prior to and after)
  
• Personal liability, in and out of home – up to £1,000,000
  
• Domestic employees liability – up to £5,000,000
  
• Occupiers' liability, ie damage to a third party in and around the home – up to £1,000,000
  
• Unsatisfied damages (in the event of policyholder being awarded damages but where third party cannot pay) – up to £100,000
  
• Legal expenses cover – up to £25,000
  
• Loss of heating oil – up to £750
  
• Loss of metered water – up to £750