The American Automobile Association (AAA), a trusted name in the home and auto service industry, offers a home warranty plan exclusively for members. Plan options vary depending on your location and participating AAA club. Our review examines coverage provided by AAA Home Warranty, pros and cons, and how it compares to leading home warranty providers.
Pros and Cons of AAA Home Warranty
Compare the advantages and disadvantages of an AAA Home Warranty plan below:
Pros
- Has a 30-day workmanship guarantee
- Provides weekday and after-hour customer support
- Offers add-on coverage for additional appliances and system maintenance
Cons
- Limits plan options to AAA members only
- Varies coverage based on your location and AAA club
AAA Home Warranty Plans and Coverage
AAA Home Warranty provides coverage for key systems and appliances in the home. Available plans vary depending on your location and corresponding AAA club, which includes over 50 million members nationwide.
In our research, we found details about the coverage offered by The Auto Club Group (ACG), the second-largest AAA club in North America. ACG’s plans typically cover essential systems such as your HVAC, plumbing, electrical, and major appliances, but coverage options can vary by region and membership level.
The ACG partners with the home warranty company Hello Super to offer coverage to its members. Customers can choose from three plans for system and appliance coverage: the Simple plan, the Signature plan, or the Lux plan. We’ve outlined home warranty coverage by plan below.
| Item Coverage | Simple Plan | Signature Plan | Lux Plan |
|---|---|---|---|
| Dishwasher | ✔ | ✔ | ✔ |
| Range/oven/cooktop | ✔ | ✔ | ✔ |
| Built-in microwave | ✔ | ✔ | ✔ |
| Garbage disposal | ✔ | ✔ | ✔ |
| Trash compactor | ✔ | ✔ | ✔ |
| Range exhaust fan | ✔ | ✔ | ✔ |
| Kitchen refrigerator with ice maker and dispenser | 𝗫 | ✔ | ✔ |
| Clothes washer | 𝗫 | ✔ | ✔ |
| Clothes dryer | 𝗫 | ✔ | ✔ |
| Air conditioning | ✔ | ✔ | ✔ |
| Heating system/heat pump | ✔ | ✔ | ✔ |
| Ductwork | ✔ | ✔ | ✔ |
| Interior plumbing | ✔ | ✔ | ✔ |
| Plumbing stoppages | ✔ | ✔ | ✔ |
| Water heater | ✔ | ✔ | ✔ |
| Interior electrical | ✔ | ✔ | ✔ |
| Ceiling fans | ✔ | ✔ | ✔ |
| Central vacuum | ✔ | ✔ | ✔ |
| Garage door openers | ✔ | ✔ | ✔ |
| It’s Covered upgrade | 𝗫 | ✔ | ✔ |
| Max Limits upgrade | 𝗫 | 𝗫 | ✔ |
| Gas fireplaces and outdoor gas fire pots and pits | 𝗫 | 𝗫 | ✔ |
| Landscape lighting | 𝗫 | 𝗫 | ✔ |
| Smart home devices | 𝗫 | 𝗫 | ✔ |
| Warming and cooling drawers | 𝗫 | 𝗫 | ✔ |
| Enhanced plumbing upgrade | 𝗫 | 𝗫 | ✔ |
| Water softener and reverse osmosis | 𝗫 | 𝗫 | ✔ |
Coverage limits vary between plans. For example, caps for the Simple and Signature Plans range from $250 to unlimited coverage for certain systems such as your HVAC. By comparison, Lux plans offer more coverage, ranging from $1,000–$10,000. We recommend reading through each plan’s home warranty contract to get full details on coverage limits.
All plans include a $30,000 aggregate or overall limit per plan term. This means the total coverage for all covered systems and appliances combined cannot exceed this amount over the contract term.
Add-On Coverage
The company offers 16 add-on options to customize your coverage further. Add-ons included additional home appliance coverage, HVAC coverage, and outdoor installations such as pools and guest houses. However, notable add-ons such as roof-leak coverage and sump pumps weren’t available when we requested more information.
Below is an overview of available add-ons:
- Additional built-in refrigerator
- Additional pool pumps
- Additional refrigeration units
- Additional washer & dryer
- Built-in pool or spa
- Enhanced HVAC incompatibility coverage
- Enhanced plumbing upgrade
- Guest house
- “It’s Covered” upgrade
- Kitchen refrigerator with an ice maker and dispenser
- Salt water pool or spa
- Septic system
- Smart home devices
- Sprinkler system and timer
- Well pump
- Water softener and reverse osmosis
Add-on limits also vary by item and plan. We recommend getting a custom quote to learn more about the available item coverage and associated limits.
How Much Does AAA Home Warranty Cost?
The cost of an AAA Home Warranty varies by location. To obtain specific pricing, complete the online form on the company’s website or call 1-844-708-1711.
On average, home warranties cost around $47–$82 per month, or $564–$984 annually.
You can use this range to assess whether AAA Home Warranty fits your budget.
AAA Home Warranty Reviews
Trusted third-party customer reviews can help you learn about a company’s service and reputation. Since AAA offers its home warranty service through established home warranty companies, it doesn’t have a standalone Better Business Bureau (BBB) page.
Our Final AAA Home Warranty Review
AAA Home Warranty covers most home appliances and systems, making it a convenient option for existing members looking for straightforward and affordable protection. However, details about which AAA clubs offer home warranty coverage and plan availability remain unclear. Additionally, only active AAA members or those planning to join a club can access these plans.
If you want more broadly available coverage with clear disclosures and transparent plan availability, we recommend American Home Shield (AHS). With over 45 years of industry experience, the company offers three plans with consistent coverage limits and optional add-ons to tailor coverage to your needs. AHS is also a good option for homeowners with older systems and appliances, as the company includes protection for items with preexisting conditions, which is rare in the industry.
Other Home Warranty Companies
Though AAA may offer a suitable home warranty choice for members, other providers might better meet your needs. Before committing to a home warranty plan, we recommend requesting a quote from at least three companies. Since pricing depends on several factors, such as your location, plan type, and home size, we recommend comparing multiple quotes to find the most affordable providers.
Compare our top recommended home warranty companies below.
| Company | Star Rating | BBB Rating | Monthly Cost | Service Fee |
|---|---|---|---|---|
B | $36–$100 | $100–$125 | ||
B | $60–$68 | $100 | ||
B | $45–$60 | $70 ($150 for after hours and weekends) | ||
B | $77–$130 | $100–$125 | ||
B | $44–$82 | $75–$125 | ||
A+ | $57–$68 | $65–$125 | ||
B+ | $51–$68 | $100–$150 |
FAQs About AAA Home Warranty
How do AAA home warranties work?
If covered appliances or systems break down due to normal wear and tear, customers can file a claim online or through the phone. A service technician will then come out to your home to assess the appliance or system in question. Before leaving, the technician will recommend a repair or replacement at which time you’ll pay a set service fee.
How much is an AAA Home Warranty?
AAA Home Warranty pricing varies based on your local AAA club and location. We recommend contacting AAA directly for details about available home warranty coverage in your area.
Does AAA Home Warranty cover preexisting conditions?
No, AAA Home Warranty only covers appliances and systems that have become inoperable due to normal wear and tear.
Is it free to cancel an AAA Home Warranty policy?
If you choose to cancel your AAA Home Warranty policy, you’ll be entitled to a pro-rated refund of the paid plan fee for the unexpired term, minus the service cost, unpaid charges, and a $50 processing fee.
Our Rating Methodology
We developed a comprehensive rating methodology to evaluate home warranty companies objectively. Our process involved gathering quotes, analyzing sample contracts, consulting with company representatives, and conducting focus groups and homeowner surveys. Our team also personally tested 11 leading home warranty providers by signing up for their services and submitting claims.
We rated each provider on six key factors that are important for homeowners. Each provider received a score out of 100 points, which we converted into a 5-star rating.
Here’s an overview of those key factors:
- Coverage: We assessed each provider’s coverage, including unique or high-value items. Providers offering robust coverage and higher annual limits received the best scores, while those with waiting periods or depreciation policies were rated lower.
- Cost: We determined this scoring by reviewing monthly costs and service call fees compared to industry standards. Companies with competitive pricing and no extra charges earned the highest scores.
- Trustworthiness: Our team reviewed customer reviews on sites such as the BBB and Trustpilot. Companies with strong reputations, extended workmanship guarantees, and no ongoing legal disputes received higher scores.
- Plan transparency: We scored transparency by reviewing contract details and company disclosures to determine how clearly they presented policies. Companies that provide transparent, accessible terms earned higher scores.
- Customer support: We assessed claims processing efficiency and customer support availability. Providers with multiple communication channels and quick response times earned better ratings.
- Flexibility: We looked at plan customization, including add-on availability, technician selection, and cancellation policies. Companies offering more choices and consumer-friendly terms scored the highest.