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  The AA Home Buildings And
  Contents  Insurance Policies

 

 .AA Home contents and buildings insurance policies are both a competitive, and comprehensive package. The AA home insurance site is easily navigated and the AA is obviously a long established and trusted name in the insurance world. Although new to the area of home buildings and contents insurance the AA home insurance online quote will, if nothing else give you an excellent bench mark. There is also the fact that they will offer you good discounting on your policy if you apply online.

 
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 Policy Type  Contents Insurance
 Cover  Comprehensive to a maximum of £45000.00
 What The Cover Comprises Of

 

 

 

 

 

 

 

 
  • New for old cover on most items
  • Accidental damage for non-portable electrical/gas appliances
    (eg.Television, video, audio, home computer equipment and microwave)
  • Accidental damage for other household furnishings (eg. Carpets) – for an additional charge
  • Items in course of professional removal whilst in storage for up to 14 days
  • 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
  • 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)
  • Personal liability, in and out of home – up to £2,000,000
  • Domestic employees liability – up to £5,000,000
  • Occupiers' liability, ie damage to a third party in and around the home – up to £2,000,000
  • Weddings increase – ten per cent increase in insured value (one month prior to and after)
  • Legal expenses cover – up to £25,000
  • Loss of heating oil – up to £750
  • Loss of metered water – up to £750
 Additional Cover.
 (For an additional premium)		  None

 

 Policy Type  Buildings Insurance
 Cover  Comprehensive
 What The Cover Comprises Of

 

 

 

 
  • 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 a total of £20,000
  • Following loss or damage from an insured peril, costs associated with complying with statutory building regulations, such as architects, surveyors and legal fees
  • Property owners' third-party liability – up to £2,000,000
  • Legal liability for properties previously owned – up to £2,000,000
  • Up to 90 days' cover on both properties when moving house (certain restrictions apply)
  • Legal helpline
  • Home emergency cover, which will cover the cost of emergency repairs in a variety of specified situations including 24 hour emergency helpline where the aim is to respond to your call within 20 minutes
 Additional Cover.
 (For an additional premium)		  None

 

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