Orlando Harmon
AAA Home Insurance offers customizable policies to protect your home, apartment, or rental. The company provides a free review of your current insurance coverage and helps identify potential savings with AAA. Their policies cover replacement costs for personal goods and living expenses if your home becomes uninhabitable. They also offer optional add-ons for additional coverage, such as earthquakes and other natural disasters. With a high satisfaction rating, AAA is committed to providing 24/7 support and making the claims process quick and easy for their customers.
| Characteristics | Values |
|---|---|
| Type of company | Brokerage |
| Services | Home and auto insurance, roadside assistance, travel agency, financial services |
| Service availability | North America |
| Number of members | 65 million |
| Year established | 1902 |
| Average annual home insurance cost | $1,200 |
| Average monthly home insurance cost | $35 per $100,000 of home's value |
| Insurance provider | CSAA Insurance Group |
| Insurance licenses | AAA Arizona Inc. (#8301727), Sunstate Insurance Agency, LLC (#17203444), AAA Northern California Insurance Agency (#0175868), AAA Montana, Inc. (#9756), AAA Nevada, AAA Utah |
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What You'll Learn
Customizable policies
AAA Home Insurance offers customizable policies that can be tailored to meet your unique needs and budget. Whether you own or rent, their home insurance policy protects your house, condo, or apartment. You can also cover your pet's medications, treatments, physical exams, and vaccinations.
AAA's customizable policies allow you to add optional coverages, such as protection for big-ticket items and earthquakes. You can also take advantage of their AAA Smart Home connected security system, which offers self-installation, 24/7 monitoring, and remote control via a mobile app. This can help you save on your home insurance policy while also keeping your home safe.
Additionally, AAA offers hazard insurance, which is included as part of their homeowners insurance policy. Hazard insurance covers the physical structure of your home against damages from fires, hailstorms, lightning, smoke, vandalism, or frozen pipes. It is recommended that you purchase enough hazard insurance to cover the cost of rebuilding your home.
AAA understands that no two homeowners are the same, and their agents are ready to help you customize a policy that fits your specific needs and budget. By contacting an experienced AAA Insurance Agent, you can maximize your savings and ensure you have the coverage you need. Their agents take the time to get to know their clients and understand what's important to them, so you can trust that your home is protected.
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Hazard insurance
AAA, or the American Automobile Association, is a company that provides a range of services, including automotive, travel, insurance, and financial services, to over 65 million members across North America. They offer home insurance provided by CSAA Insurance Group, a AAA Insurer.
Home insurance, or homeowners insurance, is not a legal requirement in any state. However, it is often required as part of a loan agreement with a mortgage lender. This insurance covers losses that most HOA policies do not cover.
When purchasing hazard insurance, it is recommended to buy enough coverage to rebuild your home in case of total loss. This type of insurance is essential for protecting your home and ensuring you are not left with significant financial burdens in the event of a disaster.
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Mortgage lenders
AAA, or the American Automobile Association, provides more than 65 million members with automotive, travel, insurance, and financial services across North America. While homeowners insurance is not legally required, most mortgage lenders do require it. AAA offers home insurance to its members, which protects homes and belongings against damage, theft, and claims from lawsuits for injuries that occurred on the property.
AAA home insurance could be a good option for those who want to access additional perks, but the company's offerings are relatively conventional. Along with standard coverage types like dwelling and personal liability, you may be able to obtain additional personal property coverage for high-value items like jewellery and furs. AAA also offers several home insurance discounts that could help lower your premium, such as bundling discounts, mature homeowner discounts, protective device discounts, and loyalty discounts.
The cost of home insurance from AAA depends on the region and the level of coverage needed. For example, AAA home insurance with $300,000 in dwelling coverage costs an average of $1,949 per year, while the national average cost of home insurance is $2,466 per year for the same amount of coverage.
In addition to home insurance, AAA also provides mortgage insurance, sometimes referred to as private mortgage insurance (PMI). PMI protects lenders against borrowers who default on their loans. Any borrower who puts down less than 20% on a mortgage should expect to pay PMI, which is often paid monthly along with other escrowed funds such as property tax and homeowners insurance.
Overall, AAA offers a range of insurance options that can be beneficial to homeowners, including those seeking coverage to meet the requirements of their mortgage lenders.
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Membership benefits
AAA Home Insurance provides coverage for your house, condo, or apartment, whether you own or rent. It covers replacement costs for personal goods and living expenses if your home becomes uninhabitable.
The standard coverages offered by AAA Insurance include hazard insurance, which is also called dwelling coverage. This protects the physical structure of your home, including damage from fires, hailstorms, lightning, smoke, vandalism, or frozen pipes. You should purchase enough hazard insurance to cover the cost of rebuilding your home. While homeowners insurance is not required by law, your mortgage lender might require it.
Homeowners insurance also covers damage to your belongings in the event of a fire, lightning, smoke, theft, vandalism, water, wind, and more. Personal property coverage will help reimburse you for any damage to items such as clothing, furniture, and portable electronics.
There are also optional add-ons that cover big-ticket items, earthquakes, and more. Earthquake insurance offers dwelling coverage for your home and attached structures, personal property coverage for your belongings, and additional living expenses coverage, also known as "loss of use," which covers certain costs if you need to vacate your home. Flood insurance is another smart option, especially if you live in a high-risk flood zone.
You can talk to a AAA Insurance agent to customize your homeowner's insurance policy and maximize your savings.
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Customer support
AAA offers 24/7 customer support to its members. You can access your membership and insurance services by signing into your account. You can also call AAA at 800.564.6222 or chat with their virtual assistant anytime for fast answers about membership.
For customer service, you can call 800.922.8228 24 hours a day, 7 days a week. If you are located outside of Northern California, you can find the phone number for your state on the AAA website. Policyholders can also send an email to [email protected].
For technical support, call 877.736.7813. The hours are Monday-Friday, 8:00 am-6:30 pm EST. For general inquiries, call 800.222.1134. The hours are Monday-Friday, 8:00 am-9:00 pm EST, Saturday and Sunday, 8:00 am-4:30 pm EST, and observed holidays, 9:00 am-5:30 pm EST.
You can also submit a travel question by selecting "Travel" in the inquiry form, and AAA will generally respond within one business day.
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Frequently asked questions
AAA Home Insurance covers losses that most HOA policies don't. It helps pay to rebuild or repair your home or other structures on your property if damaged by a covered peril. It also includes hazard insurance, which protects the physical structure of your home from damages caused by fires, hailstorms, lightning, smoke, vandalism, or frozen pipes.
Home insurance is not required by law, but your mortgage lender might require it. They will likely want to see proof of insurance when you close on your home and expect you to maintain insurance throughout the life of your loan.
The cost of home insurance depends on your unique situation. On average, home insurance in the U.S. costs about $1,200 per year, or roughly $35 per month for every $100,000 of your home's value.
