AAA home insurance review: 15+ home insurance discounts & coverage add-ons available

AAA home insurance is an A+ choice if you already have a AAA membership or auto insurance policy.

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Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Updated|1 min read

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AAA

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Policygenius rating

Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
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4.3

AM Best rating

A.M. Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

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The bottom line

AAA home insurance is a stellar idea if you have an existing AAA membership or auto insurance policy — you’ll receive extra savings on your home insurance rate for either. It’s also a great option for homeowners looking for a slew of policy add-ons and discount opportunities — it offers over 15 of each.

Since purchasing a home insurance policy through AAA requires that you have a AAA membership, you’ll also receive a ton of extra perks with your membership, including complimentary roadside assistance, identity theft protection, reimbursement for home locksmith fees, and a ton of discounts at restaurants and stores.

But if customer service is top of mind in the insurance company you choose, you might want to look elsewhere. AAA’s largest regional auto club’s earned average and below-average ratings in several of J.D. Power’s 2022 customer satisfaction surveys.

Another downside? The company as a whole earned over four times more complaints than similar-sized home insurance companies in 2021, according to the National Association of Insurance Commissioners National Complaint Index.

Pros

  • Affordable rates, plus 15+ home insurance discounts available

  • 20+ policy coverages and add-ons — including flood and earthquake insurance

  • Slew of other perks and discounts that come with AAA membership

Cons

  • AAA membership required to purchase home insurance

  • Coverages, discounts, and claims experience will vary by the regional AAA auto club you receive insurance through

  • Below-average customer satisfaction scores — and 4 times more NAIC complaints than similar home insurance companies

Basic coverages offered

AAA homeowners insurance policies include these six standard coverages to protect your home, belongings, and personal liability:

  • Dwelling coverage: Pays to repair or rebuild the structure of your home after a covered loss.

  • Other structures coverage: Pays to repair or rebuild other structures on your property not connected to your home, including detached garages, storage sheds, and fencing.

  • Personal property coverage: Pays to repair or replace your personal belongings after a covered loss, including furniture, clothing, tech gadgets, and other stuff you own.

  • Loss of use coverage: Pays for hotel stays, restaurant bills, pet boarding fees, and other temporary living expenses after a covered loss if you need to live elsewhere while your home is being rebuilt.

  • Personal liability coverage: Pays for legal and medical expenses if someone is injured or their belongings are damaged while at your home and you’re found legally responsible.

  • Medical payments coverage: Pays for small-dollar medical bills if someone is injured while at your home — regardless of who is at fault.

Additional coverages offered

You can add these additional coverages to your AAA homeowners insurance policy for even more protection:

  • Extended replacement cost for your home: Extends your dwelling coverage limit up to 50% in the event rebuild costs exceed your policy limit after a covered loss.  

  • Replacement value for personal property: Pays to replace your personal belongings with new items, regardless of depreciation or wear and tear.

  • Scheduled personal property: Offers increased coverage limits for specific valuables, like jewelry, sports equipment, and fine artwork.

  • Business property: Offers coverage if your work laptop or other business property is damaged in a covered loss.

  • Water damage: Protects your home and belongings from water backup damage caused by a sump pump overflowing or clogged sewer.

  • Ordinance or law: Pays the extra cost of getting your home up to code after a covered loss.

  • Fair rental value: Pays rent on behalf of your tenants if your home is damaged and can’t be rented out after a covered disaster.

  • Loss assessment: Covers your portion of damage to common areas you’re responsible for if you live in a home or condo located in an HOA.

  • Home hosting: Protects your home from damage by covered perils as well as liability incidents if your home is rented out for a certain period of time.

  • Ordinance or law coverage: Pays the extra cost of getting your home up to code after a covered loss.

  • Personal injury: Expands liability coverage to include personal injury to others, such as slander, libel, wrongful eviction, or false arrest. 

  • Green upgrades: Covers the added cost to rebuild your home with eco-friendly materials after a covered loss.

  • Matching roof and siding: If your home’s roof or siding is damaged in a covered loss, this covers the additional cost of replacing the undamaged portion of your roof or siding with something that matches.

  • Landscaping: Pays to replace plants, shrubs, and trees after a covered loss.

  • Electronic data restoration: Covers the cost to recover electronic data that’s hacked, stolen, or destroyed in a covered event.

  • Golf carts:  Provides damage and liability protection for rented golf carts.

  • Fire department charges: Reimburses you for out-of-pocket fees if the fire department is called to your home.

  • Flood insurance: AAA offers flood insurance coverage through the National Flood Insurance Program (NFIP), a government program run by the Federal Emergency Management Agency (FEMA).

  • Earthquake insurance: Coverage is available to California homeowners in qualifying areas at risk of earthquakes through the California Earthquake Authority (CEA), a nonprofit insurer created by the state.

  • Personal umbrella insurance: Provides additional liability protection for expensive medical or legal bills you’re found legally responsible.

  • Condo insurance: Purchased as a supplement to your condo association’s master policy, condo insurance covers your personal belongings, the interior structure of your condo unit, and personal liability.

  • Mobile home insurance: Insures your manufactured or mobile home with the standard coverages listed in the above section.

  • Renters insurance: Includes coverage for the personal belongings in your rental home or apartment against fire, vandalism, theft, windstorms, and water damage, as well as personal liability and loss of use coverage.

  • Landlord insurance: Covers your rental property against fire, windstorms, and other covered perils.

Keep in mind that coverages will vary depending on the regional AAA auto club and insurance subsidiary you receive a policy through.

Ratings methodology

Price

4.5/5

AAA earns a high score on our price rating scale thanks to its affordable rates that are on par with the national average and slew of nearly 20 home insurance discounts for everything from being an existing AAA member or auto policy holder to signing up for a qualifying payment plan or paperless policy. 

Customer experience

2.8/5

AAA’s lowest score is on our customer experience rating scale. Its three largest regional auto clubs — Auto Club of SoCal, CSAA Insurance Group, and Auto Club Group — earned combined average scores that are below the industry average in J.D. Power’s 2022 claims, overall customer satisfaction, and digital experience studies. It also received over four times the number of complaints than other home insurance companies of its size in 2021, according to the National Association of Insurance Commissioners (NAIC) National Complaint Index.

Coverage options

4.9/5

AAA earns a near-perfect score on our coverage options rating scale thanks to its stellar selection of policy add-ons, including extended replacement cost for your home, replacement cost for your personal belongings, water damage, flood insurance, and more.  

Financial strength

3.6/5

AAA earns an above-average financial strength rating due to its A rating with AM Best, which proves it’s in a good position financially to pay out claims in the wake of a disaster. AAA wasn’t rated by Standard & Poor’s or Moody’s as of January 2023.

How much does AAA home insurance cost?

The average cost of home insurance with AAA is $1,879 per year for a policy with $300,000 in dwelling coverage. This is on par with the national average of $1,899 per year.

Here’s the average yearly cost of AAA home insurance for five different levels of dwelling coverage:

Dwelling coverage limit

Average annual cost

$100,000

$794

$200,000

$1,281

$300,000

$1,879

$400,000

$2,350

$500,000

$2,892

Rates are based on our analysis of 2022 sample home insurance quotes from across the country provided by Quadrant Information Services. Actual rates will vary based on location, policy limits, coverages, claims history, and other factors.

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What discounts does AAA offer?

You can save on the cost of AAA home insurance if you qualify for any of these discounts:

  • Home and auto multi-policy: If you bundle your home insurance with a AAA auto insurance policy, you could save up to 20% on your home insurance.

  • Home and earthquake multi-policy: If you bundle your AAA home insurance policy with earthquake coverage from the California Earthquake Authority, you could save 7% on your home insurance.

  • AAA membership: If you have an active AAA membership prior to purchasing home insurance.

  • AAA membership loyalty: Based on how long you’ve had an active AAA membership.

  • Auto insurance loyalty: If you’ve had a AAA auto insurance policy for a certain number of years.

  • Home insurance loyalty: If your home has been insured with AAA or an affiliate for at least one year, you can save up to 10%.

  • Protective devices: Save up to 9% if you have approved fire or burglar alarm devices installed.

  • Mature homeowner: If you’re 50+ years old, you could save up to 12%.

  • Age of home: Save up to 37% depending on the year your home was built.

  • Newly purchased: If you purchased your home within the last three years.

  • Renovated home: If your home has been re-piped or received an epoxy treatment, you could save up to 21%.

  • Roof renovation: If your roof was fully replaced within a certain number of years.

  • Roof type: Save up to 13.5% if your home has select fire- or hail-resistant roofing.

  • Zero claims: If you’ve gone a certain number of years without filing a home insurance claim.

  • Payment plan: If you sign up for a qualifying payment plan.

  • Advance purchase: If you purchase your AAA home insurance policy a certain number of days before it goes into effect.

  • Paperless: If you sign up to receive your policy and documents electronically.

  • Smoke-free: If no one who lives in your home smokes.

  • Premier credit score: If you have a high credit-based insurance score.

Keep in mind that discounts will vary depending on the regional AAA auto club and insurance subsidiary you receive a policy through.

AAA membership perks and discounts

AAA home insurance requires a AAA membership, which comes with a slew of perks and discounts, including:

  • Roadside assistance: Get help with towing, jump starts, tire changes, and more.

  • Auto repair discounts: Score 10% off labor costs and an extended warranty on all parts and repairs when you go to a AAA-owned repair center.

  • Identity protection: Get credit score monitoring, fraud alerts, and help restoring your identity if your accounts are compromised.

  • Shopping discounts: Save at select restaurants, stores, events, home security companies, and more.

Keep in mind that perks and discounts will vary depending on the regional AAA auto club you have a membership with.

AAA home insurance state availability

AAA home insurance is available in all 50 states and Washington, D.C. through one of its regional auto clubs and insurance subsidiaries.

Here are the three largest AAA auto clubs or insurance subsidiaries and the states they service:

  • Auto Club Group: Florida, Georgia, Illinois, Indiana, Iowa, Michigan, Minnesota, Nebraska, North Dakota, Tennessee, and Wisconsin

  • Auto Club Enterprises: Alabama, Arkansas, California, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Mississippi, Missouri, New Hampshire, New Mexico, New York, Ohio, Pennsylvania, Texas, Vermont, Virginia, and West Virginia

  • CSAA: Alaska, Arizona, California, Colorado, Idaho, Indiana, Montana, Nevada, New Jersey, New York, Ohio, Oregon, Pennsylvania, Utah, and Wyoming

You’ll be connected to your regional auto club and insurance subsidiary when you visit AAA.com and enter your ZIP code.

What to expect with AAA home insurance

  • How to get a quote: You can get a AAA home insurance quote online by visiting the AAA website or by calling 877-288-4546.

  • Customer service options: You can contact a AAA customer service representative with questions about a new policy or quote by calling 877-288-4546. For inquiries about an existing policy, call 800-891-4222.

  • How to file a claim: You can file a AAA home insurance claim online by signing in to your AAA account or calling 800-672-5246.

  • How to cancel your policy: You can cancel your AAA home insurance policy by calling 877-387-8378 or contacting your local agent — you can find their contact information on your AAA homeowners insurance declaration page.

AAA home insurance in the news

  • In January 2023, AAA ranked No. 9 in a new survey of the most-considered insurers for Americans switching home insurance companies in 2023. (YouGov)

AAA vs. other home insurance companies

Compare AAA home insurance to other popular insurers in the industry:

Company

Policygenius rating

AM Best rating

Cost

AAA

4.3/5

A

$$$

Stillwater

4.5/5

A-

$$$

Progressive

4.5/5

A+

NA

Liberty Mutual

4.3/5

A

NA

Geico

3.9/5

A++

NA

Auto-Owners Insurance

5.0/5

A++

$$

USAA

4.9/5

A++

$$

Hippo

4.3/5

A-

$$

Allstate

4.4/5

A+

$$$

Amica

4.6/5

A++

$$$

Farmers

4.5/5

A

$$$

Erie

4.5/5

A+

$$

American Family

4.5/5

A

$$$

State Farm

4.8/5

A++

$$$

Homesite

4.3/5

A

$$

Encompass

4.5/5

A+

$$$$

Safeco

4.3/5

A

$$$

Mercury

4.1/5

A

$$$

Swyfft

3.5/5

A-

NA

Travelers

4.4/5

A++

$$

Nationwide

4.5/5

A+

$$$

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Frequently asked questions

Is AAA home insurance good?

AAA home insurance is a good option if you have an existing AAA membership or auto insurance policy — you’ll save on your home insurance rate if you have either. It’s also a good option if you’re looking to take advantage of home insurance discounts to lower your rate even more or want an insurance company that offers lots of coverage add-ons for increased protection.

Can I get AAA home insurance in Florida?

You can get AAA home insurance in Florida through its regional auto club, Auto Club Group.

What does AAA homeowners insurance cover?

AAA homeowners insurance covers the structure of your home, other structures not attached to your home on your property, your personal belongings, expenses if you can’t live in your home after a covered loss, your personal liability, and medical payments to others.

What is the AAA home insurance phone number?

The AAA home insurance phone number will vary depending on your state of residence and whether you’re looking for the claims or sales department. For questions about a new policy or quote, call 877-288-4546. For inquiries about an existing policy, call 800-891-4222.

Can I get AAA jewelry insurance?

You can get AAA jewelry insurance by adding a scheduled personal property endorsement to your home insurance policy. This lets you increase coverage limits on specific pieces of jewelry on a per-item basis.

What will I find on my AAA homeowners insurance declaration page?

On your AAA homeowners insurance declaration page, you’ll find your AAA insurance agent’s name and contact information, your policy number and effective period, your policy coverages and limits, discounts you qualify for, how to file a claim, and the deductibles you have to pay depending on the type of claim you file.

Can I get AAA mobile home insurance?

You can purchase AAA mobile home insurance to protect your manufactured or mobile home from fire, wind, rain, hail, and other covered perils.

Does AAA homeowners insurance cover fences?

AAA homeowners insurance covers fences on your property through the other structures coverage in your home insurance policy.

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