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AAA Renters Insurance Review (2021)

With an AAA membership and renters insurance policy, you’ll get the vehicle perks associated with the membership and a discount on your renters insurance premiums. Read this AAA renters insurance review to learn more.

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The American Automobile Association (AAA) started as a membership club for vehicle owners more than 100 years ago. Since then, AAA has expanded its services to include insurance coverage, like home insurance and renters insurance.

To help you find the best renters insurance, the This Old House Reviews Team created this AAA renters insurance review that compares coverage, pricing, claims process, customer service, and more.

Take a look at what AAA does and doesn’t offer to its customers:

Pros & Cons of AAA Renters Insurance

Pros Cons
Pros Cons
✔ Discount for being an AAA member ✘ Requires an annual membership fee
✔ Over 100 years in business ✘ Better Business Bureau rating of F
✔ Unique add-on options, like accidental death and refrigerated personal property

AAA Renters Insurance Coverage

A typical renters insurance policy will cover damage from the following events:

  • Fire and lightning
  • Extreme weather
  • Explosions
  • Riots
  • Damage by vehicle
  • Smoke damage
  • Vandalism
  • Theft
  • Falling objects
  • Weight of snow, ice, or sleet
  • Water damage not from floods

AAA renters insurance includes four types of coverage:

1. Personal Property Coverage

This part of your insurance protects the cost of your belongings. To make sure you get enough coverage for all of your items, take inventory of them, and estimate their value. If a covered event damages your belongings, AAA will give you a replacement cash value (RCV) policy, meaning they’ll give you enough money to replace your damaged items as if they are new.

In the quote we received, AAA covered $25,000 for personal property.

2. Loss of Use Coverage

If a covered event makes your home inhabitable for a short period of time, AAA will cover additional living expenses, like the cost of a hotel room or the cost of meals.

In our quote, AAA covered $5,000 for loss of use.

3. Liability Coverage

Liability coverage protects you if you’re liable for bodily injury or property damage to someone else. An example of this may be if a pipe bursts and floods the apartment below you, damaging the resident’s belongings.

In the AAA quote we received, the company covered $100,000 for liability.

4. Coverage for Medical Payments to Others

If a guest gets injured in your home and has to see a doctor for treatment, your policy will cover their medical bills.

In our quote, AAA covered $1,000 per person for medical payments to others.

Here are the coverage limitations based on North Carolina data:

AAA Range of Coverage

Coverage Type Range of Coverage
Coverage Type Range of Coverage
Personal Property $10,000–$100,000
Loss of Use 20% of personal property
Liability $100,000–$500,000
Medical Payments to Others $1,000–$5,000

AAA Additional Coverage

If you want to customize your AAA renters insurance policy, you can add on endorsements or floaters. Here are your options:

  • Refrigerated personal property
  • Personal injury
  • Identity fraud expense
  • Limited water backup
  • Scheduled personal property
  • Accidental death

How Much Does AAA Cost?

The average AAA renters insurance policy costs $15–$30 per month, according to the company’s website. To confirm this price, our team requested a quote for a one-bedroom apartment in Raleigh, North Carolina:

AAA Cost Breakdown

Type Amount
Type Amount
Deductible $1,000
Monthly Cost $13.12 ($10.88 down payment for month 1)

Your AAA renters insurance deductible would be $500, $1,000, or $2,500.

Note: This quote reflects an AAA membership. You can still get a renters insurance policy if you don’t have an AAA membership, but the policy will be more expensive.

To get your own quote, have the following information on hand:

  • Name
  • Date of birth
  • Safety features
  • Marital status
  • Address
  • Email address
  • Phone number

Customer Service and Claims Support

You can access your policy and file a claim using the customer portal and mobile app. If you would prefer to speak to a company representative, you should try your local AAA insurance agent first because they will know your state’s renters insurance policies best.

You can also talk to AAA national employees by calling 866-298-1232 for sales, 800-207-3618 for customer service, and 800-207-3618 for claims. The sales center is open Monday through Friday, from 7 am–9 pm and Saturday through Sunday, from 8 am–6 pm. General customer service is available Monday through Saturday, from 6 am–7 pm. The claims department is open 24/7.

Our Conclusion

AAA renters insurance is a viable option if you’re a current AAA member. While you can still get a policy without a membership, your premiums will be more expensive and you won’t get to enjoy perks like rekeying and towing.

Before deciding if AAA renters insurance is the right policy for you, get quotes from at least three providers to compare coverage and pricing options:

If you’re not sure whether AAA is right for you, compare it to other top-rated renters insurance companies below.

Compare Renters Insurance Companies

Companies AAA Allstate Liberty Mutual
Companies AAA Allstate Liberty Mutual
Known for Membership perks Multiple discounts Over 100 years of experience
Monthly price $15–$30 About $16 As low as $5
Customer service 24/7 for claims; limited for sales and service 24/7 24/7 for claims; limited for sales and service
BBB rating F A+ A+

Company Overview

  • Company Name: The American Automobile Association (AAA)
  • CEO: Marshall Doney
  • Years in Business: 115
  • State Availability: 50
  • Address: 1000 AAA Drive, Box 61
  • City/State: Heathrow, FL
  • Zip Code: 32746
  • A.M. Best Financial Strength Rating: A+

Frequently Asked Questions About AAA

What is an AAA membership?

AAA started out as a membership club for vehicle owners. When you pay a membership fee of about $56 per month, you receive vehicle perks like service calls, towing, and lock and key services.

AAA has now expanded its services to include renters insurance, homeowners insurance, and other types of insurance policies. If you have an AAA membership, you can get a discount on any of the insurance policies offered by AAA.

Are there any situations that renters insurance doesn’t cover?

Yes. Most insurance companies won’t cover the following events or items:

  • Damage from pests—Damage from pests, like bed bugs and termites, typically isn’t covered.
  • Damage from natural disasters, like earthquakes and floods—You can usually buy add-on coverage for these situations, but they won’t be included in your base policy.
  • Damage to your building—Your landlord will likely have insurance for this.
  • Car theft—An auto insurance policy will cover this.
  • Roommate property—Your roommate will need to either be on your policy or get their own policy to protect their personal belongings.

Will personal property coverage protect my jewelry or more expensive belongings?

No. Typically, valuables exceed the amount of personal property coverage available. However, most insurance providers, like AAA, give you the option of adding an endorsement for more valuable items, like artwork and jewelry.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.