You’ve worked hard for the life you’ve built and your home should be a source of pride for you. It’s no surprise you want to protect it, and great homeowners insurance is one of the most important ways of doing exactly that.
One route you might decide to pursue is by bundling your homeowners insurance with your auto insurance. If so, AAA might be exactly what you’re looking for. We’ve spent a lot of time understanding and unpacking their coverage so you don’t have to. We’ll break it all down here, but first let’s start with a quick list of pros and cons.
FYI: Read our complete Home Insurance Buyer’s Guide to learn what to look for in a policy.
AAA is best known for being an automotive club, so it’s not a surprise that that’s the primary focus of their services. That said, they still have plenty to offer homeowners.
Two of the biggest drawbacks are that AAA homeowners insurance isn’t available everywhere and that you’re required to be a member in order to purchase it. However, the discounts they offer usually make up for the cost of the membership over time. So what does their coverage look like exactly?
AAA’s homeowners insurance doesn’t offer the extensive features of its automotive insurance, but it will keep you compliant and protected from most incidents. Most policies offered are HO3-compliant. This means they will protect against all threats except for those specifically listed on your policy as exceptions.
Pro Tip: Make sure you know exactly what your policy covers and what it doesn’t. You don’t want to wake up to ankle-deep water only to realize you don’t have flood protection.
General AAA coverage includes:
If you’d like to extend your home insurance coverage further, there are a few other items AAA will cover, for an additional fee, including:
That said, AAA is a major organization with 61 million members nationwide. They bring a lot more to the table than homeowners insurance.
AAA started as an automotive club, and while automotive insurance continues to be a primary focus, they also insure:
Keep in mind, though, coverage and costs will vary by state and the specific property you’re looking to insure. What might that cost, though?
Pro Tip: If you’re looking to insure more than just your home, AAA offers some great discounts on bundled packages. Make sure you talk to your agent to get the best deal.
With costs similar to State Farm, AAA is one of the most affordable providers of homeowners insurance in the industry, but be aware that a variety of factors go into consideration when your individual quote is determined including: the state you live in, the coverage you’re seeking, the condition and age of your home, as well as the overall safety of the neighborhood in which it’s located. More on that in my guide to AAA’s costs and services, but here’s the quick overview:
|Value of Home||Estimated Monthly Rate|
As mentioned, this is a general overview of what you might expect to pay should you select AAA as your insurance provider. If you want to save, though, there are a few ways to do so with AAA.
Simply put, the less of a risk you are, the better rate you’re going to get. With that in mind, here are a few ways you can save on your premium with AAA:
Pro Tip: There are some items on this list that you should have regardless of whether or not you’ll catch a break with your insurance company. Smoke alarms and fire extinguishers are definitely on that list, as are home security systems. For more information, check out our guide to the best home security companies in your area.
So we know AAA is affordable, but money isn’t everything. Some insurance companies are a major hassle to work with. Is AAA one of them?
AAA has been around for over a century and has spent that time building a reputation for great customer service. According to our research, it appears that extends to the insurance side of their business as well.
It’s extremely easy to get a quote, even if you’re not an AAA member at the moment. For this review, specifically, we had our home insurance quote in hand in less than 10 minutes.
It’s also very easy to file a homeowners insurance claim with AAA. You can call their main number at 1-800-67-CLAIM, call your state-specific club, or file a claim online. Just make sure you have your membership and policy number on hand.
What’s it like to work with AAA? Most of the reviews we found online painted a rosy picture. While there are a few outliers who had a bad experience, most people talked about how easy the overall experience of filing a claim was, and how quickly the company acted on their behalf.
Holly, a reviewer from Irvine, California, was most impressed with their price. She writes:
“After 15 years with another large insurance company, I switched to AAA simply because it was less expensive for the same exact coverage. I gave my previous agent a chance to meet AAA’s price, but she couldn’t discount my policy to meet or beat the lower rate.”
That said, it’s important to understand that not all of AAA’s coverage is available everywhere and to everyone. Who can purchase these policies?
Similar to what I saw in my review of Geico, AAA is a bit of an oddball in the insurance world as they are actually made up of distinct and individual clubs, and you need to be a member of that club in order to purchase insurance. Each individual club partners with brokerages to provide coverage, so it really is a state-to-state consideration.
One state where you won’t be able to consider it, though, is Louisiana. As of this writing, AAA homeowners and renters insurance is not offered in the Pelican State.
With that in mind, when you’re considering homeowner’s insurance for a new house or if you’re looking to change providers, it’s important to shop around. In that vein, what does AAA’s competition look like?
Pro Tip: When comparison shopping, we recommend getting quotes from at least five providers. That doesn’t have to be a huge headache. Most major insurance companies will provide you with a free online quote.
AAA’s coverage stacks up pretty well against their top competitors, but let’s take a look at what that means.
|Available in 50 states||No||No||Yes||No||Yes|
|AM Best Rating||A||A++||A++||A||A++|
|Home Security System Discount||Yes||Yes||Yes||Yes||Yes|
|BBB Rating||A+||Not Accredited||A+||A+||Not Accredited|
|Green Incentives||Depends on Partner Provider||Yes||No||No||Yes|
Now that you have a clear picture of what AAA offers and to whom, it’s time to get down to it. Is this service worth further investigation?
AAA is a great choice for their affordability and their customer service. They offer some of the best prices across the country, multiple discounts, and have won numerous awards throughout the years for the services they provide.
AAA misses the mark in the sense that they’re not available to everyone, and you’ll need an AAA auto club membership in order to purchase AAA homeowners insurance.
This homeowners insurance is a great option for people who are already AAA members or those who are interested in becoming one. And to be honest, their membership benefits are pretty solid and relatively affordable. What’s more, you’re likely going to cover the cost of the membership in the savings you’re realizing with your homeowners insurance, so it can almost be viewed as a perk.
At the end of the day, you need your most major investment protected, and we feel confident that AAA can do exactly that for you.
Although they are primarily focused on auto-related issues, AAA does offer homeowners insurance to their members in most cases.
AAA’s homeowners insurance covers standard damages to your home, your personal possessions, and liability for others. Depending on your plan, it can also include additional insurance for valuables and specific natural disasters.
Filing a claim with AAA is easy — simply call 1-800-67-CLAIM or visit your local AAA club webpage. Be sure to have your policy and membership number available.
Yes, you can cancel your policy at any time; however, it’s important that you have another policy in place so coverage doesn’t lapse.
Individual AAA clubs outsource coverage to third-party providers, so coverage varies state to state.
As Managing Editor for SafeHome.org, Rob Gabriele has written and edited over 1,000 articles in home security. His expertise is in smart home automation and home protection with thousands of hours of testing and research under his belt. Formerly a reporter and producer for the USAToday network, Rob has been a writer and editor for over 10 years. He holds a Master’s of Science with an emphasis on writing from the University of Montana, and he currently lives in the Reno/Tahoe area of Nevada.