AAA Home Insurance: 2025 Review
The American Automobile Association, or AAA, is well-known for being one of the most trusted names in roadside assistance. However, AAA also offers homeowners insurance with reliable coverage for risks like fire, theft, and natural disasters. The insurer is known for excellent customer service, competitive pricing, and additional benefits for its AAA members.
Business Insider compared AAA Home Insurance to the best homeowners insurance companies and found it to be a standard offering, thanks to its dependable coverage and member discounts. On the other hand, limited availability and regional differences may affect consistency in customer experience.
AAA Homeowners Insurance Pros and Cons
AAA Homeowners Insurance Pros
- Strong customer service ratings
- Membership perks
- Discount opportunities
- Free AAA Triple Check reviews insurance coverage
AAA Homeowners Insurance Cons
- Coverage options vary by location
- Lacks more specialized homeowners insurance like HO-4
- No online quotes available
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AAA Homeowners Insurance Overview
Although many people think of roadside assistance when they think of AAA, the company offers many benefits to its members, including homeowners insurance, auto and life insurance, banking products, and discounts on travel and shopping for its members.
AAA homeowners insurance is available to members and non-members alike. Representatives can be found at 1,000 branch offices across North America and on its highly rated app.
However, AAA is not licensed to sell homeowners insurance in all states. Depending on where you live, you might be working with Auto Club Insurance Association, MemberSelect Insurance Company, Auto Club Group Insurance Company, or another AAA partner.
One standout feature to mention is AAA’s Triple Checker, which is a free review of your home and auto insurance policies to see if you have the right amount of coverage
AAA Homeowners Insurance Plans and Coverage
AAA HO-3 Insurance
HO-3 is the most common type of homeowners insurance. AAA’s homeowners insurance policy covers the house itself (dwelling coverage) but also the following:
- Liability: In the event you are found liable for causing injury to someone else while they’re in your home or damage to their property.
- Personal property: This will pay to replace your personal possessions, such as clothes, electronics, and furniture if damaged as a result of a covered loss.
- Loss of use: This pays for additional living expenses if your home is unlivable due to a covered loss.
We recommend looking at your policy documents to clarify what’s covered. For example, you may need special coverage for your home if you live in an area prone to hurricanes, earthquakes, or other similar events.
With AAA Triple Check, you get a comprehensive review to determine the right amount of homeowners insurance coverage without buying anything you don’t need. This check also lets you know which AAA discounts you qualify for and ways to get the most out of a AAA membership.
AAA HO-4 Insurance
Here’s what’s protected in a standard AAA renters insurance policy:
- Personal property coverage: Your personal belongings will be replaced if they are stolen from your rental home.
- Liability coverage: If you are sued for a covered loss, your policy may cover your legal expenses.
- Medical payment coverage: If a guest is hurt in your rental unit, this pays for their medical expenses, regardless of fault.
- Loss of use coverage: If the unit you’re renting becomes uninhabitable due to a covered risk, this will cover your temporary living expenses.
AAA HO-6 Insurance
Buying a condo insurance policy from AAA would provide you with the following types of coverage:
- Interior unit coverage: This covers the floors, walls, and ceilings of your condo. It also includes renovations or updates you’ve made to the unit.
- Personal property coverage: This protects your personal belongings in the event of a covered loss, such as theft or fire.
- Liability coverage: This pays for the medical expenses of your guests if someone is injured in your condo. It may also cover you in the event someone sues you for injuries, or you’re found liable for damage to their property.
- Loss of use coverage: If you have to find temporary living arrangements, such as living in a hotel, you’ll be covered while repairs are being made to your home.
Something to note about AAA’s condo insurance is it does not cover damage done to the condo by water seepage from the roof like it would with homeowners. This ties back to the fact that it only covers “walls-in.” Your homeowners association maintains your roof. In that event, you would want to refer to the master insurance policy purchased by the HOA.
Additional Cover Options (Riders) Offered by AAA Homeowners Insurance
AAA offers a selection of standard homeowners insurance riders. Of course, the AAA Triple Check makes recommendations. But many experts recommend riders like water backup coverage. Here’s a list of popular riders offered by AAA:
- Personal property replacement cost: Personal belongings are typically covered at their depreciated value, whereas with additional replacement cost coverage, you can get the current market value.
- Identity theft: This covers costs related to having your identity stolen, such as lost wages and legal fees.
- In-home business: If you operate a business from your home or work from home, you may consider purchasing this type of additional liability and business property coverage.
- Water backup coverage: This protects your home if a sewer or drain backs up and causes damage to your home.
- Lock replacement: This coverage pays for expenses related to having to replace the locks in your home for safety purposes.
- Fire department charges: Protects you from charges by your local fire department for their services.
- Stolen or misplaced jewelry: This covers theft and damage of valuable items that may exceed the limits of or may not be covered in your standard insurance policy.
The other important coverage option this insurer provides is flood insurance. As the NFIP sets rates, AAA’s flood insurance rates should match rates you’d find with any other homeowners insurance company. So, if you’re buying your homeowners insurance with AAA, you can manage both policies in one place.
AAA Homeowners Insurance Cost
Customers can obtain online quotes for homeowners insurance without being AAA members. It also allows members to sign in for a faster quote process. However, interested parties can also call 1-866-936-1092 to inquire, and membership can be purchased with your homeowners insurance policy.
The membership and insurance premiums can vary depending on your local club. For San Francisco, CA, the costs are as follows:
- Classic Membership – $64.99/year plus a $10 one-time enrollment fee
- Plus Membership – $99.99/year plus a $10 one-time enrollment fee
- Premier Membership – $124.99/year plus a $10 one-time enrollment fee
Your AAA homeowners insurance policy premium will depend on the coverage you need, your claims history, your personal information, and your location.
AAA Homeowners Insurance Discounts
Like other homeowners insurance companies, AAA Home Insurance’s rates may be lower once you account for all discounts. It may even make it easier to afford riders you want and regional coverage. Standard AAA discounts include:
- Multiple-product discount for life insurance policyholders
- New or renovated home discount (speak to an agent regarding renovation requirements)
- Home security discount for those with sprinkler systems, burglar or smoke alarms, or deadbolt locks
- 50+ discount for those aged 50 or better
- Bundling discounts for buying multiple policies with AAA
How to Purchase and Manage a AAA Homeowners Insurance Policy
To request a quote for a AAA homeowners insurance policy, you can visit the AAA website, visit your local AAA branch office, or call 1-855-761-1969 to speak with an agent. AAA agents are available by phone Monday through Friday from 8 a.m. to 8 p.m. and Saturdays from 9 a.m. to 3 p.m.
You can manage your AAA homeowners insurance policy through your online AAA account or by contacting your local agent. Additionally, you can download the AAA mobile app to access your account while on the go. The mobile app is highly rated on the Apple App Store and Google Play Store.
Coverage options vary by region and state. You can find available policies in your area by requesting a quote online or contacting a AAA agent.
How to File a Claim with AAA Homeowners Insurance
There are a few ways to file a claim with AAA for homeowners insurance: through the mail, by phone, or through your online account.
If you’d like to file the claim by mail, be sure to have the adjuster’s name as well as the claim number on the document and mail it to:
The Auto Club Group
Claim Department
PO Box 8001
Royal Oak, MI 48068-9826
To file a claim online, users must log in to their account. Depending on the region and local chapter of AAA (or CAA), customers can also access a toll-free number through the specific chapter’s website. The primary phone number for claims assistance is 1-800-672-5246.
AAA Homeowners Insurance Customer Service and Ratings
Generally, AAA has positive reviews and ratings. The Better Business Bureau accredited AAA and gave it an A+ rating. The BBB rates businesses on an A+ through F scale, with an A+ as the highest possible rating. This indicates that AAA is a trustworthy insurance provider.
That said it fares far worse on Trustpilot, receiving an average of 1.6 stars. These reviews pertain to AAA as a whole, but a number of reviewers left comments specifically complaining about AAA’s home and renters insurance services.
In the most recent JD Power U.S. Home Insurance study, AAA (Automobile Club of Southern CA) ranked fifth, and AAA (CSAA Insurance Group) ranked sixth for overall customer satisfaction. They scored 671 and 644 on a 1,000-point scale. For reference, this puts AAA above average, with the average score among all insurers in the study at 640 points.
The National Association of Insurance Commissioners’ complaint index rates insurance companies based on how many complaints they receive against its share of the market. A 1.00 means that a company has an expected number of complaints based on its size. A lower score indicates fewer complaints than expected and a higher number indicates more complaints than expected.
CSAA Insurance Group scored a 2.71 on the Company Complaint Index, indicating that it had over twice the number of complaints than expected.
AAA Insurance received an A (excellent) rating from AM Best, meaning the insurer has a solid ability to meet its claims obligations.
The AAA mobile app also received high ratings from customers. In the Apple App Store, the AAA mobile app has 4.7 stars out of five. In the Google Play Store, the app has similar ratings of 4.6 stars out of five. Several customers raved about the convenience of the app, and others loved how many membership benefits were available.
AAA Homeowners Insurance Alternatives
See how AAA compares to three other options for home insurance coverage: USAA, Liberty Mutual, and Hippo.
AAA vs. USAA Homeowners Insurance
USAA Homeowners Insurance and AAA have one thing in common: the companies offer insurance products via a membership. USAA is exclusively available to buyers with military affiliations, while AAA has a broader membership base. AAA attracted its first customers through its roadside service offerings, while USAA was founded by and consistently serves military members, veterans, and their families.
Our research found regardless of claims history and location, USAA is the cheaper option if you qualify. It also offers military-specific benefits, such as extra coverage for uniforms. USAA homeowners insurance is provided through one platform for all 50 states, and in many states, it also offers specialty coverage like flood or hurricane coverage. If USAA cannot provide certain coverages, it partners with local companies to fill the gap.
AAA’s implication that its system eliminates “unnecessary coverage” makes us wary. We’ve seen insurers say this to ensure customers won’t worry about coverage deficiencies. When quoting AAA next to another carrier, we recommend working with a licensed insurance agent who can compare policies and ensure you’re not missing the most critical factors.
Read our USAA homeowners insurance review.
AAA vs. Liberty Mutual Homeowners Insurance
Liberty Mutual Homeowners Insurance, like AAA, is highly ranked in JD Power’s customer satisfaction studies. It offers home, auto, and other personal insurance products, which can be bundled for discounts. Quoting is available online in many cases, and Liberty Mutual is available in all 50 states.
AAA is only available in a limited number of states through its chapters. However, Liberty Mutual hires captive agents and works with broker agents who can provide quotes for multiple insurance companies.
Both companies have online and over-the-phone options for quoting, customer service, and claims. Unfortunately, we were unable to walk through AAA’s system. However, quoting and filing online claims with Liberty Mutual were straightforward, guiding customers through the steps. AAA is at the top of the list if you buy roadside service. In other areas, we noted Liberty Mutual outperformed AAA.
Read our Liberty Mutual homeowners insurance review.
AAA vs. Hippo Homeowners Insurance
Hippo Homeowners Insurance is an entirely online InsurTech company specializing in preventative home care to lower homeowners insurance premiums. With its Smart Home Tech, Hippo uses smart tech sensors and devices to monitor your home and look for potential problems. The Hippo Home Care is a video checkup and maintenance advice service that allows homeowners to stay updated on their home’s health. Tech-savvy homeowners often appreciate automation and online self-service.
Neither company is licensed in all 50 states, but Hippo seems more likely to expand coverage in the future. One area that Hippo struggles with is its flexibility for customers who may not be as online-savvy as others. While AAA customers can work with phone agents and insurance agents in their area, Hippo strongly encourages customers to manage policies and claims exclusively online.
Read our Hippo homeowners insurance review.
Why You Should Trust Us: What Went into Our AAA Homeowners Insurance Review
Business Insider assesses homeowners insurance with the following factors in mind:
- Breadth of coverage: We compared AAA’s standard home insurance coverage to that of its competitors. We also took into account the policy add-ons that are available.
- Prices: We looked at the company’s website for sample quotes, discount opportunities, and coverage details.
- Customer service: We compiled reviews and ratings from sites like JD Power, TrustPilot, ConsumerAffairs, and the BBB to see what consumers think.
- Financial stability: We examined ratings from AM Best to determine the insurer’s financial strength and ability to meet its customers’ insurance needs.
Furthermore, we use our research on many popular products to see how companies like AAA stack up against competitors.
Read more about how Business Insider rates homeowners insurance.
FAQ
No, non-AAA members can still get homeowners insurance quotes from AAA.
You can get AAA homeowners insurance quotes by giving your ZIP code and selecting a nearby AAA homeowners insurance agent, who will help with the rest of the process.
Yes, AAA homeowners insurance can get a bundling discount if they also buy AAA auto insurance. Discounts will depend on the state you live in.
No, similar to most standard (HO-3) home insurance policies, AAA homeowners insurance does not include flood insurance, but you can buy supplementary flood insurance from AAA.
Yes, AAA home insurance is generally considered to be good. If you’re a member of AAA, you’ll have access to additional perks, such as discounts and 24/7 roadside assistance.
