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For nearly 120 years, motorists have relied on AAA to come to the rescue when they break down on the road. Over the years, AAA has expanded its services and products to include auto and home insurance. To qualify for a AAA homeowners insurance policy, you must be a AAA auto club member.
AAA isn’t a single organization; it’s actually a group of affiliated motor clubs that service specific areas and offer insurance through their own agencies. Depending on your location, AAA may offer either AAA-affiliated insurance policies, or policies through an unaffiliated insurer. Three of the biggest groups are the Automobile Club Group, Auto Club of Southern California Insurance Group, and CSAA Insurance Group. If you live in an area covered by one of these auto clubs (see “AAA Home Insurance Availability” section), here’s a closer look at the home insurance coverage you may be offered.
- Pros and Cons
- Company Overview
Mature-homeowner and new-construction discounts in some locations
Premium plans in some locations
Coverage for home-sharing and green upgrades in some locations
AAA membership comes with useful discounts and services, like discounted movie tickets and child-car-seat installation
No online quotes in some locations
Requires AAA auto club membership
Complicated network of AAA clubs and insurance providers makes it hard to understand your options
- Official Website www.aaa.com
- Insurance Offered Auto, business, home, life, and renters (varies by AAA club and location)
- Customer Service For customer service phone numbers and other options, enter your ZIP code at www.AAA.com. The site will redirect you to the local AAA club that offers products and services in your area. Find contact information and customer service hours by clicking on the “Contact Us” link on the homepage.
- Year Founded 1902
AAA Standard Home Insurance Policy
Depending on your location, AAA’s standard homeowners policies should include all the basic coverage found in most homeowners policies:
- Dwelling
- Other structures on the property
- Personal belongings
- Liability protection
- Additional living expenses if your home is uninhabitable
Endorsements
If you’d like to customize your policy, you can add endorsements or riders for extra coverage. The options vary by location and AAA insurer, and may include:
Automobile Club Group | Auto Club of Southern California Insurance Group | CSAA Insurance Group |
---|---|---|
Green upgrades |
Guaranteed rebuilding cost |
Increased limits for dwelling, liability, valuable personal property |
Depending upon your location, Automobile Club Group may offer coverage through various plans (such as “Advantage,” “Ultimate,” and “Custom”) that include the opportunity to increase limits and add endorsements.
Meanwhile, Auto Club of Southern California offers the Protection Plus Homeowners Package, which allows you to expand the limits of your coverage.
AAA’s Cost for a Standard Policy
AAA bases its home insurance rates on several factors, including your:
- Claims history
- Coverage levels
- Home’s condition
- Home’s location
- Home’s safety devices
- Home’s value
For the most accurate rate, request a quote from AAA.
Other AAA Property Insurance Policies
Depending on your location, AAA may offer additional types of property insurance, including:
Automobile Club Group | Auto Club of Southern California Insurance Group | CSAA Insurance Group |
---|---|---|
Condo |
Renters |
Renters |
AAA Home Insurance Discounts
AAA offers a nice collection of discounts to help you lower your homeowners premium. Discounts available and the level of savings may vary by location and AAA club.
Automobile Club Group | Auto Club of Southern California Insurance Group | CSAA Insurance Group |
---|---|---|
Insured: AAA membership, smoke-free, retired homeowner, new homeowner | Insured: AAA membership, mature homeowner, loyalty | Insured: AAA membership, AAA membership loyalty, mature homeowner |
Home: Roof age verification, hail-resistant roof, home certified as fortified/secured, safety device | Home: Age of home, fire resistant construction, fire-resistant roofing, protective device, renovated home | Home: New purchased, roof renovation |
Policy: Prior insurance, paperless document, claim-free, advance purchase, multi-product | Policy: Multi-product | Policy: Multi-product, AAA auto insurance loyalty, AAA home insurance loyalty, payment plan, claims-free |
AAA Home Insurance Availability
Availability of AAA homeowners insurance varies by state and AAA club, but you may be offered AAA home insurance if you live in one of the following states served by these AAA insurance companies:
Automobile Club Group | Auto Club of Southern California Insurance Group | CSAA Insurance Group |
---|---|---|
Florida, Georgia, Iowa, Michigan, Nebraska, North Carolina, North Dakota, South Carolina, Tennessee, and certain counties in Illinois, Indiana, and Minnesota | Alabama, Arkansas, Hawaii, Kentucky, Maine, Mississippi, Missouri, New Hampshire, New Mexico, New York, Ohio, Pennsylvania, Texas, Vermont, Virginia, and West Virginia, and certain counties in California, Illinois, Indiana, and Kansas | Arizona, Colorado, Connecticut, Delaware, Maryland, Montana, Nevada, Oklahoma, Oregon, South Dakota, Utah, Washington, D.C., and Wyoming; and portions of California, Idaho, Indiana, Kansas, Kentucky, New Jersey, New York, Ohio, Pennsylvania, Virginia, and West Virginia |
Before you can buy AAA home insurance, you must sign up for membership. AAA offers three membership levels–Classic, Plus, and Premier–and annual fees vary by location. AAA membership costs between $38 and $164 per month.
How to Get a AAA Homeowners Insurance Quote
To get started, enter your ZIP code at www.AAA.com. The site will automatically redirect you to the appropriate AAA club’s homepage, where you can find contact information at the bottom of the page. The quote process varies among AAA insurance groups. Automobile Club Group offers online quotes, but the other two groups didn’t, in our experience. If you use Automobile Club Group’s online quote app, you’ll be asked numerous questions about your home, its age and construction, and its systems and safety devices.
AAA also requests personal information like your age, gender, marital status, and insurance history. After you complete the questionnaire, the application will generate a quote that details each coverage’s cost and deductibles.
All three AAA insurance groups offer quotes over the phone. However, the number you’ll need to call depends on the AAA club that provides products and services in your area. When you call, a AAA agent will guide you through a series of questions and produce a quote while you’re on the phone. You can also request that the agent send a written quote to your email address.
How to File a Claim with AAA
AAA accepts insurance claims over the phone but doesn’t operate a centralized claims center. To file a claim, navigate to www.AAA.com and enter your ZIP code. After the site redirects you to your AAA club, click on the “Contact Us” link to find your club’s claims phone number.
AAA Customer Service
Study | Automobile Club Group | Auto Club of Southern California Insurance Group | CSAA Insurance Group |
---|---|---|---|
J.D. Power 2020 U.S. Property Claims Satisfaction Study | Not ranked | #17 out of 19 insurers | #19 out of 19 insurers |
J.D. Power 2020 U.S. Home Insurance Study | Not ranked | #11 out of 22 insurers | #8 out of 22 insurers |
Automobile Club Group isn’t in any J.D. Power study measuring homeowner insurance satisfaction.
The 2020 J.D. Power Property Claims Satisfaction Survey surveyed customers for satisfaction with their property claims experience based on settlement, claim servicing, reporting a loss (first notice of loss), and the estimation and repair processes. The average overall customer satisfaction score is 881 points out of 1,000. In comparison, the Auto Club of Southern California Insurance Group earned 855 points, while CSAA Insurance Group earned 842, far below the average.
The 2020 J.D. Power Home Insurance Study surveyed homeowners for customer satisfaction based on price, interactions, policy information and offerings, the billing process, and the claims experience. CSAA Insurance Group earned a #8 ranking our of 22 insurers. It scored 825 out of 1,000 overall customer satisfaction index points, slightly above the industry average of 823. The Auto Club of Southern California Insurance Group received 820 points.
AAA’s mobile app, available for Android and Apple devices, is loaded with useful features that will help you on the road, but it provides little functionality for home insurance policyholders. The app enables you to access your membership information, search for AAA member discounts, get directions, find nearby gas stations, and request roadside assistance.
Financial Stability
An insurer’s financial rating is an indicator of its ability to pay your auto insurance claim. According to AM Best, the worldwide leader in financial ratings in the insurance industry, most of AAA’s underwriting companies have A- and higher financial stability ratings.
Automobile Club Group Insurance | Automobile Club Group of Southern California | CSAA Insurance Exchange |
---|---|---|
Most A- and above | A+ | A |
Other Types of Insurance Provided by AAA
AAA insurers offer a wide range of insurance products, which may vary by AAA club and location.
Automobile Club Group | Auto Club of Southern California Insurance Group | CSAA Insurance Group |
---|---|---|
Vehicle, including auto, boat, RV, and motorcycle |
Vehicle, including auto, boat, and collector car |
Vehicle, including boat, auto, RV, motorcycle, and snowmobile |
Compare Other Home Insurance Reviews
AAA home insurance isn’t for everyone. If AAA doesn’t fit your needs, check out these other national carriers:
- To purchase AAA home insurance, you must be a AAA auto club member.
- AAA offers a wide range of home insurance endorsements and discounts, although they vary by location and AAA club.
- AAA backs its homeowners policies with good financial strength ratings.
- Customer service is about or below average according to J.D. Power studies, but can vary by AAA club and location.
- Many AAA clubs offer a wide variety of insurance products to cover your automobiles, business, life, and sports equipment.
Methodology
The Balance strives to give consumers unbiased, comprehensive reviews of homeowners insurance providers. To ensure that our content helps you make the right insurance decision for your needs, we review each insurance provider’s coverage options, discounts, customer service and satisfaction, and financial stability.