RAC Home Insurance

Driving’s our business. We offer a range of motoring products and services including breakdown cover, car insurance and vehicle checks.

RAC Home Insurance includes the following cover as standard: Theft from garage/outbuildings up to £1,000 (contents cover), Contents in your garden up to £250 (contents cover), 10% increase of sum insured at Christmas, during birthdays or weddings (contents cover), Fire or flood? RAC will find you and your family somewhere to stay (buildings or contents cover), Keycare provides up to £1,000 cover for replacement locks should your keys become lost or stolen. All the keys attached to your Keycare fob are covered, Contents cover includes £500 of musical downloads. UK only call centres.

• FREE RAC Breakdown Cover
• Popular elements included as standar, including replacement locks and accidental damage
• Cover tailored to suit you
• Legal cover up to £50,000 and a 24 hour legal helpline

About Home Insurance

Home insurance is generally divided into two categories, Building Insurance, which covers any damage sustained by the structural make up of the property itself, and Home Contents Insurance, which provides cover for most main household items. It is typically a requirement to apply for Building Insurance if your property is being used as collateral for a mortgage or personal loan.

Contents Insurance provides cover for the majority of household items such as white goods (fridges, freezers, washing machines etc) and desirable electronic goods such as widescreen TVs, DVD players, audio equipment and sound systems as well as computer equipment. Recently, insurers have extended contents insurance policies to cover less traditional items such as musical instruments and amplifiers, and any audio files that have been lost, so music that you have paid for online can be retrieved under the right Contents Insurance plan. Some insurers offer Home Contents insurance plans targeted at specific groups such as students living in rented accommodation, as the Building Insurance should be covered by the owner of the property.

With both types of Home Insurance, cover is usually provided against damage caused in the event of a fire, damage caused by adverse weather, including lightning, strong winds and flooding, leaking water pipes, landslips, theft and vandalism. Most insurers will offer customers the opportunity to combine both Buildings and Contents insurance under a single all-encompassing plan, which usually allows customers to qualify for a discount off of the combined price.