The AA - Home Insurance

Today, the AA is in many ways the same motoring organisation that motorists have trusted since 1905.

Whether you're looking for buildings insurance, home contents insurance or a combined building & contents insurance policy, you could save by switching to the AA where new for old and unlimited rebuilding costs* are automatic. (*for homes with a market value less than £1 million)

• Automatic new-for-old-cover
• Home contents cover of up to £40,000
• Automatic new-for-old insurance cover on most items
• Legal expense cover of up to £25,000
• Accidental damage cover for your non-portable home entertainment and home electrical and gas equipment

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.