Paul Sanchez
AAA, also known as the American Automobile Association, is well-known for its auto insurance and travel services. However, it also offers homeowners insurance through its various clubs, which cover specific groups of states. AAA's homeowners insurance provides protection against perils such as fire, wind, theft, and vandalism, with additional coverage options for earthquakes and floods. While some customers have expressed dissatisfaction with AAA's customer service and policy issues, others have had long-term success with their homeowners insurance policies. The availability and cost of AAA's homeowners insurance vary by state and club, and customers can access discounts for factors such as protective devices, new homes, and mature homeowners.
| Characteristics | Values |
|---|---|
| Company | AAA |
| Type of Insurance | Homeowners Insurance |
| Availability | Throughout the U.S. |
| Discounts | Smoke detector and home alarm, New home, Hail-resistant roof, New home renovations, Retiree, No claims, Bundling, Mature homeowner, Protective device, New or renovated home, Loyalty, Claims-free |
| Add-ons | Earthquake insurance, Flood insurance, Scheduled property coverage, Service line, Home systems protection |
| Customer Experience | Mixed reviews, with some praising AAA and others describing frustrating policy issues and communication breakdowns |
| Coverage | Dwelling, Other structures, Personal property, Liability, Loss of use |
| Perils Covered | Fire, Wind, Theft, Vandalism, Smoke damage, Frozen pipes, Lightning, Sewer backup, Faulty central air conditioning units, furnaces, or hot water heaters |
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What You'll Learn
Discounts and savings
AAA offers a range of insurance products, including homeowners insurance, provided by CSAA Insurance Group. While the specific discounts and savings may vary by region and individual circumstances, here are some general areas where you may be able to save on your AAA Home Insurance policy:
Bundling Policies
One way to save on your AAA Home Insurance is by bundling it with other policies, such as car insurance. By combining multiple types of insurance under AAA, you can benefit from potential discounts and streamline your insurance management. This approach not only simplifies your insurance portfolio but also potentially reduces your overall costs.
AAA Membership Discount
If you're a AAA Member, you may be eligible for additional savings on your home insurance policy. AAA Members can receive a 5% discount on their home insurance when they bundle it with car insurance. This exclusive benefit is a great way for AAA Members to maximize the value of their membership and keep their costs down.
Optional Add-ons
While not strictly a discount, AAA Home Insurance offers optional add-ons that provide extended coverage for specific scenarios. These add-ons allow you to customize your policy to fit your unique needs. For example, you can opt for coverage for big-ticket items, earthquakes, and other natural disasters. By tailoring your policy, you can strike a balance between comprehensive protection and cost-effectiveness.
AAA Smart Home
The AAA Smart Home program offers savings on your home insurance policy while enhancing your home's security. By installing the AAA Smart Home connected security system, you gain 24/7 monitoring and remote control capabilities through a mobile app. This proactive approach to home safety not only gives you peace of mind but also demonstrates your commitment to loss prevention, which can be reflected in your insurance costs.
Customized Policies
AAA Insurance Agents are experienced professionals who understand the intricacies of local neighborhoods. By consulting with an agent, you can customize your homeowner's insurance policy to maximize your savings. They can guide you through the various coverage options and help you make informed decisions based on clear, reliable information. This personalized approach ensures that you obtain the coverage you need without paying for unnecessary extras.
To explore the specific discounts and savings available to you, it's recommended to contact a AAA Insurance Agent or visit their website for more information.
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Customer reviews
Some customers have praised AAA's homeowners insurance for its affordability and the various discounts available, including for bundling home and auto insurance, having protective devices like smoke detectors and home alarms, being a mature homeowner, and having a new or renovated home. They have also highlighted the reliability of AAA's policies, its excellent customer service, and the additional benefits for AAA members. One customer wrote that they had a good relationship with their AAA representative and were pleased with how their claim was handled.
On the other hand, some customers have expressed dissatisfaction with AAA's homeowners insurance, particularly regarding denied claims and issues with claims handling. One customer warned others to "beware" after a negative experience with their home insurance policy, while another claimed that their insurance policy was dropped due to misinterpreted drone images. AAA has also received complaints about unexpected increases in insurance payments and difficulty reaching the company by phone.
It's worth noting that AAA's homeowners insurance offerings vary by state and region, which may contribute to the mixed reviews. While AAA is not licensed to sell homeowners insurance in all states, it does offer a broad network of affiliated insurance companies to provide coverage throughout the U.S. As a result, customers in different areas may have varying experiences with the company's insurance providers, coverage options, rates, and customer service.
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What is covered
AAA offers homeowners insurance through a few of its clubs. Each of these clubs covers a select group of states, so your coverage options and rates will depend on your state and the insurer that covers it. AAA homeowners insurance is available throughout the US, but it organizes its markets across several association insurance companies rather than a single insurance company.
AAA offers standard coverage types like dwelling and personal liability, and you may be able to obtain additional personal property coverage for high-value items like jewelry and furs. The standard coverages offered by AAA Insurance are:
- Dwelling and other structures coverage can help pay to rebuild or repair your home or other structures on your property if damaged by a covered peril.
- Personal property protection covers your belongings, including those stored somewhere other than your home. Insurance companies usually limit personal property coverage to a percentage of your dwelling coverage or a specific dollar amount.
- Liability coverage protects your assets in certain lawsuits.
AAA also offers optional add-ons that cover big-ticket items, earthquakes, and more. If a covered emergency damages your home so severely that you have to live elsewhere during repairs or rebuilding, your home insurance policy will cover the additional living expenses incurred while you're displaced. These might include restaurant meals, laundry service, and hotel bills up to your policy limit. This coverage is also called loss of use coverage.
You can purchase AAA homeowners insurance whether or not you're an existing AAA member. However, if you're a member, you get multiple discount opportunities. Most AAA homeowners insurance meets HO-3 standards, meaning it covers your home, personal property, and liability. Discounts include:
- Smoke detector and home alarm: If you have either of these devices, you can receive up to a 15% discount on your policy.
- New home: Depending on the age of your home, you can get a discount of up to 40%.
- Hail-resistant roof: For hail-resistant roofs, expect a discount of up to 35%.
- New home renovations: If you make new renovations to your home, you can save up to 23% on your premiums.
- Retiree: If you're 55 years or older and don't work, you can get up to a 10% discount on your policy.
- No claims: If you don't make a claim for three years, you get a discount of up to 13%.
- Bundling discount: Save when you insure both your home and vehicle through AAA.
- Protective device discount: May apply if your home has a burglar alarm, smoke detectors, or a monitored security system.
- Mature homeowner discount: Available to homeowners above a certain age (often 55+).
- New or renovated home discount: Newly built or significantly updated homes may qualify.
- Claims-free discount: If you haven't filed any recent claims, you might earn a lower rate.
- Loyalty discount: Some clubs offer savings if you've been a member or customer for a certain number of number of years.
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What is not covered
The American Automobile Association, or AAA, offers homeowners insurance in addition to its well-known roadside assistance. AAA's home insurance coverage includes dwelling coverage, which protects the physical structure of your home, and liability coverage for injuries or damage caused to others. It also covers personal property, loss of use, and guest medical expenses. However, it's important to note that AAA's coverage options and availability vary by state and region. Here are some things that are typically not covered by AAA's homeowners insurance:
- Water damage from the roof: AAA's condo insurance, for example, does not cover water seepage from the roof. This is because the HOA is typically responsible for maintaining the roof, and you would need to refer to their master insurance policy.
- Certain dog breeds: AAA restricts coverage for certain dog breeds, which may vary depending on the state and region.
- Flood and earthquake insurance: While AAA offers coverage for natural disasters like fires and hailstorms, flood and earthquake insurance are typically sold separately. The cost of flood insurance through AAA depends on the coverage amount, the property's flood risk, and other factors.
- Membership fee: AAA membership comes with benefits, but it may be an additional cost to consider when purchasing homeowners insurance. The fee may impact the overall value of the insurance for those who are not interested in the extra perks.
- Inconsistency across regions: Due to regional variations, AAA home insurance may not be available in all states, and coverage options, discounts, and access to digital management tools may differ. For example, in Florida, homeowners insurance is only available as a package with auto insurance.
- Limited availability: AAA's homeowners insurance is not licensed for sale in all states, and the specific provider depends on your location. This means that coverage may be restricted or unavailable in certain areas.
It is always advisable to review the specific terms and conditions of any insurance policy, as coverage can vary, and certain exclusions may apply.
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Customer service
Customer reviews of AAA's customer service are mixed. While some customers have praised the company for its solid service, others have criticised its customer service as a "travesty".
One customer on Reddit wrote:
> "AAA Home Insurance customer service is a travesty. Like a bad AI robot. Ditched them asap after [a] horrendous response to a valid grievance we had. Avoid!!!"
Another customer on Reddit described their experience with AAA as "playing games", saying:
> "I have [had] AAA Homeowners Insurance in Calif. (no claims ever) and they are now playing games with my policy. They send me a letter saying they must do a home inspection in 30 days or I will be dropped. The number they gave me to call is bunk and [the] mailbox [is] full. Finally reached someone and she said the calendar is full. I asked why and she said upper management is trying to drop as many policies as possible."
A review on Bankrate notes that AAA homeowners insurance reviews on Reddit exhibit a "wide range of experiences", which is why "it's important to do your own research".
On the other hand, one customer on Reddit wrote that AAA is "solid", adding:
> "If you have a covered claim they will pay. Just make sure the roof is replacement cost."
Another customer on ConsumerAffairs wrote:
> "I have a good relationship with my representative at AAA. I've only had to make a claim once, when lightning damaged some valuable computer equipment, but I was really pleased [with the service]."
AAA offers homeowners insurance through a few of its clubs. Each of these clubs covers a select group of states, so your coverage options and rates depend on your state and the insurer that covers it. AAA organises its markets across several association insurance companies.
AAA homeowners insurance is available throughout the US. However, different geographic regions have their own specific AAA club, so coverage offerings may vary. For example, North, South and Central NJ have completely separate systems, staff and different insurance options.
AAA offers standard coverage types like dwelling and personal liability. You may also be able to obtain additional personal property coverage for high-value items like jewellery and furs.
AAA also offers several discounts to help lower the cost of your home insurance. For example, you can receive up to 15% off your policy if you have a smoke detector and home alarm. Depending on the age of your home, you can get a discount of up to 40%. Hail-resistant roofs can get a discount of up to 35%. New home renovations can save you up to 23% on your premiums. If you're 55 years or older and don't work, you can get up to 10% off your policy. If you don't make a claim for three years, you can get a discount of up to 13%.
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Frequently asked questions
Yes, AAA offers homeowners insurance.
AAA homeowners insurance typically covers losses due to fire, wind, theft, and vandalism. It also includes dwelling coverage, other structures coverage, personal property protection, and liability coverage.
AAA homeowners insurance is available throughout the US and offers various discounts, such as bundling discounts, mature homeowner discounts, protective device discounts, new or renovated home discounts, claims-free discounts, and loyalty discounts.
You can purchase AAA homeowners insurance whether or not you're an existing AAA member. Contact your local AAA club or agent to discuss coverage options and rates specific to your state and insurer.
Reviews of AAA homeowners insurance are mixed. While some customers have had long-term success and positive experiences, others have described frustrating policy issues, communication breakdowns, and unsatisfactory customer service. It is recommended to research and compare quotes, coverage offerings, discounts, and third-party scores to make an informed decision.
