AAA Homeowners Insurance Review

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:

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:

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.

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:

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

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.

Other Types of Insurance Provided by AAA

AAA insurers offer a wide range of insurance products, which may vary by AAA club and location.

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:

• Liberty Mutual
• Progressive
• State Farm

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.

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