Home and contents insurance

Our building insurance will cover your home against events such as fire, flood, storm, theft, malicious damage up to the sum insured of your home.

Clothes, jewellery, furniture, carpets, household appliances, tools, including your work tools.  See optional extras for ways to increase your cover limits for your precious things like your engagement ring, or watch.

We'll replace damaged, lost or stolen items covered under your policy with new ones.

We'll provide temporary accommodation to you if your building can't be lived in, and we'll also accommodate your pets.

Cover for damage to other people or their property whilst on your property.

When you purchase RAC's Contents Insurance you automatically become an RAC member and have access to great extra benefits so you can make savings every day.

Cover for accidental glass breakage to your contents, for example feature mirrors, lights or furniture when they are broken through the thickness of the glass.  See optional extras for our accidental damage option if you would like to extend your cover to include unintentional loss or damage to your contents.

We'll cover the cost to repair or replace a domestic electric motor when it's damaged by an electric current.  For example if your fridge motor is damaged as the result of an electric current, we'll cover the cost to repair or replace the motor.

We'll cover your lost or stolen keys and replace your locks.

We'll cover the cost of demolition and removal of debris if your house has been damaged as a result of an insured event.

We'll cover the costs required to make the repair of damaged parts of your building compliant with current building regulations and laws.  

We'll cover the cost to replace trees or shrubs damaged by a storm.