Äsja lahutanud Meg Altman kolib koos oma tütra Sarahga uude majja, mille eripäraks on kaitseruum hädaohu puhuks – nn Paanikatuba. Peagi on ema ja tütar sunnitud sinna tuppa põgenema, kui kolm sissemurdjat majas peituvat varandust kätte tahavad saada. Kuid kurjategijate meelehärmiks on see peidetud paanikatuppa.
Fast-talking, quick-thinking Detroit street cop Axel Foley has bent more than a few rules and regs in his time, but when his best friend is murdered, he heads to sunny Beverly Hills to work the case like only he can.
After Dick Harper loses his job at Globodyne in an Enron-esque collapse, he and his wife, Jane, turn to crime in order to handle the massive debt they now face. Two intelligent people, Dick and Jane actually get pretty good at robbing people and even enjoy it -- but they have second thoughts when they're reminded that crime can hurt innocent people. When the couple hears that Globodyne boss Jack McCallister actually swindled the company, they plot revenge.