Your home is likely the largest and most important investment you’ve ever made. With that in mind, having protection from serious damage or destruction is essential should an unexpected disaster occur. A home insurance policy helps cover the costs when your home falls victim to a catastrophic event like a fire or a hurricane, keeping your wallet safe and giving you peace of mind that the structure and its contents are safe.
Our Take on AAA Homeowners Insurance
AAA is best-known for its extensive auto insurance options. However, the company also offers comprehensive homeowners insurance coverage across the country, ranging from industry-standard protections to special endorsements.
Because different locations are run by different auto clubs, coverage levels, discounts, and customer service quality may vary. In conducting our AAA review, we took into account that some of the auto clubs work with individual third parties to underwrite the policies, giving AAA home insurance an overall score of 92.12 out of 100 based on our rating system. In addition, certain clubs may require that you be a AAA member with an auto insurance policy.
On AAA’s Better Business Bureau profile, common complaints cite difficulty reaching agreements with adjusters. Positive reviews note reasonable rates.
Pros & Cons
Compare advantages and disadvantages of AAA homeowners insurance.
AAA Pros & Cons
|Available nationwide||Different regions handled by different auto clubs|
|24/7 customer service||Depending on the auto club, you may be required to be an AAA member for auto insurance|
AAA offers industry-standard home insurance coverage in addition to several endorsements to customize your protection.
|Dwelling + other structures||Covers your home’s structure (interior and exterior), as well as detached structures like a garage or shed|
|Personal property||Covers personal property in case of a covered loss, including furniture, electronics, appliances, and clothes|
|Loss of use/Additional living expenses||Covers the costs associated with living outside of your home due to covered damage or destruction, including accommodation and meals out|
|Personal liability||Covers legal fees if you are sued for injury or personal property damage to a guest on your property|
|Medical payments coverage||Covers the medical expenses of a guest who is injured at your home|
AAA offers several add-on coverage options.
AAA Coverage Options
|Complete home protection||Covers 100% of the cost to repair or rebuild your home after a covered loss|
|Jewelry and collectibles||Covers your jewelry, watches, and other collectibles|
|High-value property||Covers valuables like musical instruments and art|
|Flood insurance||Covers damage caused by floods|
AAA home insurance is available in all 50 states, provided by individual auto clubs within the larger AAA network.
The exact cost of AAA home insurance depends on a variety of factors, including your property value, size, the materials it was constructed with, the location you live in, the coverage limits you select, the insurance deductible you choose, and more.
We requested a sample quote for a single-family, 2,200-square-foot home in Eureka, CA. We found the monthly cost of $53, following a down payment of $106 for the first month, to be quite affordable. According to the Insurance Information Institute, the
|Type of Coverage||Amount of Coverage|
|Type of Coverage||Amount of Coverage|
|Loss of use||$100,000|
|Medical payments to others||$1,000 per person|
|Workers compensation and employer’s liability||Yes|
|Monthly Cost||$53 (down payment of $106 for month 1)|
AAA offers several different discounts to help lower the cost of your home insurance coverage.
|Multi-policy||Discount for bundling different AAA insurance policies|
|Protective devices||Discount for installed protection systems like smoke detectors and burglar alarms|
|Claim-free||Discount for not filing a claim for three or more years|
|Age of home||Discount for newer homes, percentage depending on the age of the home|
|Home renovation||Discount for recent renovations|
|Hail-resistant roof||Discount for roofs built of materials that can resist hail damage|
|Retirement||Discount if you’re a retiree aged 55 or older|
AAA Home Insurance Customer Reviews
AAA has multiple pages on the Better Business Bureau, each devoted to different franchise locations. Its main page shows accreditation by the organization and an A+ rating. It should be noted that some pages were not accredited and had other ratings, sometimes as low as F. Few reviews are available, and they are scattered across different pages.
Rocky S. said:
“They have very reasonable rates.”
Luis W. said:
“I had my car towed from Louisville to Cincinnati through AAA. The tow truck got into a car accident with my car on it. I reached out to AAA to get my car fixed but they keep giving me the run around. It has been over 3 months and my car still isn’t fixed. My advice to all AAA customers is to have your lawyer deal with them, they are crooks”
AAA Home Insurance vs the Competition
See how AAA stacks up against some of its top competitors on key metrics.
AAA vs The Competitors
|Get a Quote||Not available through This Old House||Visit Site||Not available through This Old House|
|State Availability||50||23*||47 (not available in AK, FL, or HI)|
|Years in Business||98||5||113|
|24/7 Claims Service by Phone||✓||✓||✓|
|Protective Devices/Safety Features Discount||✓||✓||✓|
*Lemonade home insurance is available in AZ, AR, CA, CO, CT, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NM, NY, OH, OK, OR, PA, RI, TN, TX, VA, WA, WI
**Reflects primary page; some AAA pages show ratings as low as F
AAA offers all industry-standard home insurance coverage along with several attractive endorsements. Unfortunately, in some cases you must be an existing AAA member in order to purchase home insurance through the provider. In addition, the fact that different auto clubs in the network handle home insurance differently means there may be a variety of experiences in quality of customer service. Although we give AAA a 92.12 out of 100, we recommend it primarily for existing AAA members.
- Company name: AAA
- Company type: Public
- CEO: Marshall Doney
- Year founded: 1902
- Headquarters: 1000 Aaa Dr, Lake Mary, FL 32746
- State availability: 50
- BBB rating: A+
The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:
- Coverage (30)
- State availability (7.5)
- Customer service (15)
- Technology (12.5)
- Reputation (20)
- Additional benefits (15)
Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.
Frequently Asked Questions about AAA Home Insurance
Does AAA offer home insurance?
AAA offers homeowners insurance to customers, most commonly serving existing AAA members. Through its individual auto clubs throughout the network, AAA offers industry-standard home insurance coverage along with a variety of add-on coverage options.
Does AAA underwrite its own home insurance policies?
This process will vary from individual auto club to individual auto club.
Is AAA available nationwide?
Yes, there are AAA auto clubs across all 50 states.
What does AAA home insurance cover?
AAA home insurance covers dwelling and other structures, personal property, personal liability, additional living expenses, and medical payments to others. It also offers a variety of endorsements depending on location.
To share feedback or ask a question about this article, send a note to our Reviews Team at firstname.lastname@example.org.