Aaa's Home Insurance: Is It Worth It?

AAA offers home insurance to its members, providing policies and supplemental coverage for homeowners, condo owners, mobile home owners, renters, and landlords. This includes coverage for earthquakes and floods, as well as optional add-ons for big-ticket items. AAA home insurance is issued by a variety of companies, depending on the location of the property. For example, a homeowner in Los Angeles would get a policy through the Automobile Club of Southern California, while someone in Tennessee would be insured by the Auto Club Group. AAA members can also benefit from a 5% discount on their insurance.

AAA home insurance discounts

AAA offers home insurance to its members in most states, and it is a good option for those who are already interested in joining AAA. AAA home insurance is known for its dependable customer service and affordable rates.

The availability of AAA home insurance varies across the country, and in some places, it is only available if you bundle it with auto coverage. Bundling policies can lead to significant savings, so it is worth considering AAA for your home insurance if you are already thinking about using them for your car insurance.

Multi-Policy Discounts

The convenience of a single policy that covers both your home and auto insurance can lead to substantial savings. This combined policy simplifies your insurance protection and provides a great value. It gives you the benefit of having just one point of contact from quoting to claims, one annual renewal, and one deductible for both your home and auto when they are damaged by a single covered loss.

Premium Discounts

AAA offers premium discounts for various situations, including:

• Recently built homes
• Homes with wind mitigation features
• Homes with security monitoring systems
• Switching both home and auto insurance from the same prior insurer
• Homes with fire alarms
• Young drivers with good grades
• Airbags, antilock brakes, and vehicle theft deterrent systems

Additional Discount for AAA Members

On top of the savings from the combined home and auto policy, AAA members can save up to an additional 7% on their insurance. This discount is based on the number of years as a AAA member and applies to select auto coverages only.

No-Claim Discount

AAA offers a discount of up to 13% for not making a claim for three or more years.

Protective Devices Discount

You can save up to 15% on your homeowners insurance by installing smoke detectors or a burglar alarm.

Retirement Discount

If you are retired and 55 years old or older, you can save up to 10% on your insurance.

Age of Home Discount

The age of your home can also impact your insurance rates. Newer homes tend to get bigger discounts, with savings of up to 40% depending on the age of the home.

Home Renovations Discount

Recent renovations, such as new pipes, can result in savings of up to 23% on your insurance.

Hail-Resistant Roof Discount

A roof that is resistant to hail damage can provide a discount of up to 35% on your insurance.

AAA home insurance cost

AAA offers home insurance coverage nationwide, with policies generally more affordable than those of other insurance providers. The average annual cost of an AAA homeowners policy is $1,456, significantly lower than the national average of $2,417 annually. However, the cost of your policy will depend on various factors, such as your location, credit score, claims history, and property features and conditions.

The American Automobile Association (AAA) provides affordable rates and extra benefits to its members. Only AAA members can purchase a homeowners policy, and coverage details and availability can vary based on your location as each club provides different coverage options, endorsements, and discounts.

You can save money on your AAA home insurance policy by bundling it with your auto insurance and by taking advantage of various discounts. These include discounts for home protection (such as installing safety devices or living in a gated community), paperless billing, the age of your home, the age and condition of your roof, being smoke-free, and being claim-free for a specific period.

According to Zillow, the average cost of home insurance in the US is about $1,200 per year, or roughly $35 per month for every $100,000 of your home's value. However, your exact cost will depend on your unique situation, including factors such as coverage levels, location, home condition, value, and safety elements.

AAA home insurance coverage

AAA offers home insurance coverage to protect your house, condo, or apartment. This includes replacement costs for personal goods and living expenses if your home becomes uninhabitable.

The standard coverages offered by AAA Insurance include dwelling and other structures, medical payments to others, and jewelry and valuables (with limits). You can also add on extra coverage for big-ticket items, earthquakes, and more. This additional coverage can also be used for liability claims that exceed your regular auto or home policy limits.

AAA's home insurance can cover the cost of repairs to your home, replacing your belongings, and additional living expenses if your residence is uninhabitable. It can also reimburse you for damages caused by floodwaters, helping to fix your home and repair or replace lost belongings.

There are also optional add-ons for greater coverage of valuables that cost more than your personal property limits. This is known as Scheduled Personal Property.

Additionally, AAA offers a discount of 5% on home insurance for AAA members.

AAA membership perks

AAA offers a range of membership perks, including home and auto insurance, as well as additional benefits such as roadside assistance and travel discounts.

Insurance

AAA provides a range of insurance options, including home, auto, renters, life, and other types of insurance through its regional motor clubs. Home insurance covers the replacement costs for personal goods and living expenses if your home becomes uninhabitable. It also includes dwelling and other structures, medical payments to others, and jewellery and valuables (with limits). There are also optional add-ons for big-ticket items, earthquakes, and more.

Roadside Assistance

AAA membership includes roadside assistance, which is useful for troubleshooting on the road, whether you're driving a car, motorcycle, or RV.

Travel Discounts

AAA membership provides access to travel perks, such as travel planning and booking services, travel insurance, and discounted amusement park tickets.

Other Benefits

In addition, AAA offers identity theft monitoring, renters insurance, landlord insurance, flood insurance, and umbrella insurance. They also provide services like DMV transactions, notary services, and travel planning in some of their offices.

Savings

AAA members can enjoy savings by bundling their insurance policies and taking advantage of various discounts offered by the company.

AAA home insurance claims

AAA offers home insurance to its customers, and the process of filing a claim is straightforward. If you need to file a claim on your home insurance policy, the first step is to contact AAA Insurance by calling 800-922-8228. A claims adjuster will then review your claim to ensure that your damages are covered by your policy. If your claim is approved, the adjuster will determine the payout you are owed, and you will receive a payment. This initial payment may be an advance, with additional payments to follow.

Before contacting AAA, it is a good idea to gather any necessary documentation, such as a police report, and to document the details of the incident, including the date and time. If your home has been damaged, you should also prepare a list of items that were damaged or destroyed and be ready to show the adjuster around the property.

It is important to note that filing a home insurance claim may result in an increase in your insurance premium, especially if you file multiple claims within a short period. The type of claim also impacts the rate increase, with liability claims typically resulting in higher increases than theft or vandalism claims.

By following the proper procedures and working with your claims adjuster, you can effectively navigate the AAA home insurance claims process and receive the financial protection that your policy provides.

Frequently asked questions