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AAA Home Insurance Review 2021

AAA, best-known for auto insurance, offers basic homeowners insurance and a few typical endorsements. AAA homeowners insurance is available across the country through individual auto clubs.

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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.

Choosing a home insurance provider can be challenging, as companies offer different degrees of coverage, availability, discounts, and more. The This Old House Reviews team has done some of the work for you, creating this in-depth AAA home insurance review. You can also get quotes from providers near you by calling 855-948-5219 or using the quote tool below.

Table of Contents

  • Our Take
  • Pros & Cons
  • Coverage
  • Availability
  • How Much Does AAA Insurance Cost?
  • Discounts
  • Reviews of AAA Insurance
  • Our Conclusion
  • Frequently Asked Questions
  • Company Information
  • Our Methodology

Our Take

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

Pros Cons
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
Member benefits

Coverage

AAA offers industry-standard home insurance coverage in addition to several endorsements to customize your protection.

AAA Coverage

Type Description
Type Description
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

Type Description
Type Description
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

Availability

AAA home insurance is available in all 50 states, provided by individual auto clubs within the larger AAA network.

How Much Does AAA Home Insurance Cost?

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

Cost

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $250,000
Other structures $25,000
Personal property $187,500
Loss of use $100,000
Liability $300,000
Medical payments to others $1,000 per person
Replacement cost Yes
Workers compensation and employer’s liability Yes
Deductible $1,000
Monthly Cost $53 (down payment of $106 for month 1)

Discounts

AAA offers several different discounts to help lower the cost of your home insurance coverage.

AAA Discounts

Discount Description
Discount Description
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 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”

Comparison

See how AAA stacks up against some of its top competitors on key metrics.

AAA vs The Competitors

Provider AAA Lemonade Amica®
Provider AAA Lemonade Amica®
Get a Quote Not available through This Old House Visit Site Not available through This Old House
Our score 92.12 83.50 96.60
State Availability 50 23* 47 (not available in AK, FL, or HI)
BBB Rating A+** B+ A+
Years in Business 98 5 113
24/7 Claims Service by Phone
Protective Devices/Safety Features Discount
Bundling Discount
Mobile App

*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

Our Conclusion

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.

To ensure you find the right provider for your needs, we recommend getting quotes from multiple home insurance companies that serve your area. You can do so by calling 855-948-5219 or inputting your zip code in the quote tool below.

Company Information

  • 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+

Our Methodology

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

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 reviews@thisoldhousereviews.com.