What was a motoring club now has grown up into a fully fledged financial service provider which now includes home insurance with a Defaqto rating of 5 stars. There are two types of cover , normal cover and Home Insurance Plus.
At the time of writing, new customers get AA Roadside Assistance for only £20 or money off breakdown cover upgrades, with their new home insurance policy.
Use The AA Home Contents Value Calculator to ensure there is sufficient cover for all the valuables within the home. It is very easy not to fully understand the true value of your belongings, especially when they have been accumulated over a longer time. How much would it cost to replace a few pairs of Jeans for example? What about how much to replace the socks in the bedroom draws, or the crockery in the kitchen such as cups and plates? What about the value of the lampshades on any lighting, or the light switches in every room? The contents value calculator helps you to be real bout the true cost of replacing the items damaged or stolen.
The Plus version of the policy adds extra services, such as covering “Home Emergency Response” for quicker call outs, greater value for goods stored in out houses and locks and keys, should they be lost or broken.
What Is The Difference Between Buildings and Contents Insurance
The former deals with the structure of the building, such as bricks and mortar, roofs etc. Normally valued as the cost to rebuild the home, which can be different to the commercial value. In most cases the cost to rebuild the house will be less than its commercial value. Very often in order to have a mortgage, you are contract obliged to have the building insurance to ensure the value of the home is covered.
Contents insurance directly relates to the value of the goods within your home. These would include furniture like sofas, tables, kitchens, beds, TVs and all other belongings, books, iPods, spectacles the list goes on. Check to see if the policy covers new for old. This means, that even a 20 year old television would get replaced with a new one. The plus policy offers new for old.
Check The Fine Print
Like all financial decisions, you need to read the fine print and get professional advice should you not understand fully. Even a small alteration can make a real difference should a claim be required. Check what type of locks should be on your doors, is your house alarm working and do you set it etc? These are not necessarily conditions of the AA Home Insurance, but it should be read none the less, to ensure it does cover all circumstances in your unique lifestyle.