Alyssa Lane
AAA is a well-known insurance company that offers a range of insurance options, including homeowners insurance. The company has built a reputation for providing reliable policies with affordable rates, made even more affordable by various discounts. However, reviews for AAA homeowners insurance are mixed, with some customers praising the company's service and others expressing dissatisfaction with their experience. So, is AAA homeowners insurance legit? Let's take a closer look at the pros and cons and find out.
| Characteristics | Values |
|---|---|
| Type of company | Not-for-profit membership organization |
| Year founded | 1902 |
| Headquarters | Heathrow, Florida |
| WalletHub rating | 3.7/5 |
| WalletHub user reviews | 800+ |
| J.D. Power rating | Excellent customer satisfaction |
| Better Business Bureau (BBB) rating | 1.6/5 stars |
| NAIC rating | 1.05 |
| Number of clubs | 30+ |
| Availability | Throughout the U.S. |
| Insurance offered through | Affiliated insurance companies |
| Discounts | Yes |
| Discounts for | Bundling, mature homeowners, protective devices, new or renovated homes, claims-free, loyalty, etc. |
| Coverage | Dwelling, other structures, personal property, loss of use, personal liability, guest medical, etc. |
| Average annual premium | $3,116 |
| Average monthly premium | $260 |
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What You'll Learn
AAA homeowners insurance reviews
AAA is a not-for-profit membership organisation that offers insurance options and other benefits, such as roadside assistance and travel planning services. It is well-known for its auto insurance but also sells homeowners insurance.
AAA's home insurance reviews are mixed. Some customers have praised the company for its affordable rates, reliability, and generous discounts, while others have criticised its customer service and handling of claims.
One of the main benefits of AAA's homeowners insurance is its affordability. Customers can access several discounts, especially if they are already AAA members. For example, AAA offers discounts of up to 15% for smoke detectors and home alarms, up to 40% for new homes, up to 35% for hail-resistant roofs, and up to 23% for new home renovations. AAA's home insurance quotes average $3,116 a year, or $260 a month, which is 11% higher than the national average. However, in some states, such as California and Michigan, AAA's rates are lower than the state average.
In terms of coverage, AAA's home insurance policies meet HO-3 standards, meaning they cover the home, personal property, and liability. The company also offers additional personal property coverage for high-value items like jewellery and furs. Regional clubs may tailor coverage offerings to the needs of homeowners in each area, and some clubs provide useful extras, such as Smart Home and Pet Insurance.
However, AAA has received some negative reviews from customers who have experienced difficulties with claims and customer service. Some customers have reported long wait times for claim approvals and a lack of response from the company. There have also been complaints about policy exclusions and unexpected increases in insurance premiums.
Overall, while AAA homeowners insurance offers affordable rates and comprehensive coverage, potential customers should be aware of the mixed reviews regarding customer service and claims handling. It is essential to compare quotes and reviews from multiple companies before making a decision.
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AAA insurance quotes
AAA is a not-for-profit membership organisation that offers a wide variety of insurance options, including homeowners insurance. The company was founded in 1902 and is well known for its auto insurance and roadside assistance. AAA offers insurance policies through a broad network of affiliated insurance companies, meaning that if you contact AAA for a homeowners insurance quote, it will come through a trusted AAA partner company that serves your region.
AAA's home insurance coverage is considered basic in most of the country, and includes the following protections: dwelling, which pays to repair structural damage to your home; other structures, which protect detached garages and other unattached buildings; personal property, which covers your belongings; loss of use, which pays for temporary living expenses after a covered disaster; personal liability, which covers injuries and damage you cause to others; and guest medical, which pays for medical treatment for a guest injured on your property.
AAA offers useful extras in 14 states, including Michigan, Minnesota and Wisconsin, and also offers a discount to mature homeowners, with the minimum age requirement ranging from 50 to 55 depending on where you live. AAA's home insurance discounts vary by state, and the company has cheap homeowners insurance in California and Michigan. In California, its home insurance quotes average $1,185 a year, which is 6% less than the state average. In Michigan, AAA charges $1,904 a year, 23% less than the state average.
AAA has a rating of 3.7/5 from WalletHub's editors, based on customer reviews, sample insurance quotes, and ratings from organisations such as J.D. Power and the Better Business Bureau (BBB). AAA customer reviews highlight the company's affordable rates, although it could make improvements in the customer service department. AAA is a good company for insurance quotes if you're a member or want to join, and it's free, simple and secure to get a quote.
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AAA insurance discounts
AAA Insurance is a not-for-profit membership organisation that offers a wide variety of insurance options, including auto, homeowners, and life insurance policies. They also provide coverage for boats, motorcycles, and pets. AAA has built a reputation for providing reliable policies at affordable prices, with the help of generous discounts.
AAA members can access exclusive discounts and rewards, including savings on off-airport parking, mailbox services, photo books, and vehicle history reports. There are also discounts on food, non-alcoholic beverages, and merchandise at select locations.
AAA offers insurance discounts for mature homeowners, with the minimum age requirement ranging from 50 to 55. They also have home insurance discounts in specific states like Michigan, Minnesota, and Wisconsin.
For auto insurance, AAA offers a good driver discount, which is based on how long you've been licensed and your driving activity. There is also a multi-car discount if there is more than one vehicle on the policy. Teen drivers can benefit from the Teen Smart discount if they complete a qualified program by the time they turn 19.
Additionally, AAA provides a discount for good students who are high school or full-time college students with a verifiable GPA of 3.0 or higher. Bundling auto and homeowners insurance is another way to save with AAA.
Overall, AAA offers a range of discounts to make their insurance policies more affordable for members. The specific discounts available may vary by state and region, so it is always a good idea to review the options available in your area.
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AAA insurance coverage
AAA is a not-for-profit membership organisation that offers a wide variety of insurance options, including auto, homeowners, renters, condo, life, motorcycle, RV, boat, and snowmobile insurance. They also offer insurance for pets, businesses, and landlords, as well as umbrella, earthquake, and flood insurance. AAA insurance is available in various states, including Arizona, California, Montana, Nevada, Utah, and Michigan.
AAA is a good insurance company in some states and just okay in others. Its insurance providers, rates, and coverage options vary by state and region. For example, AAA has affordable home and auto insurance in California and Michigan, but it's expensive in Nevada. AAA offers basic home insurance coverage options, including dwelling, other structures, personal property, loss of use, personal liability, and guest medical. They also provide useful extras in some states, including Michigan, Minnesota, and Wisconsin.
AAA is well-known for its auto insurance but also offers homeowners insurance. Most AAA homeowners insurance meets HO-3 standards, covering your home, personal property, and liability. Policies cover the cost to repair or rebuild your home if it's damaged due to a covered loss and also cover damage to detached structures like sheds, fences, and swimming pools.
AAA offers several discounts on insurance policies, especially for AAA members. You can save money by bundling your auto and homeowners insurance or by taking advantage of discounts for mature homeowners, which are available in some states. AAA also provides fast, efficient responses to customer service and claims requests and offers 24/7 claims support by phone.
However, AAA has received mixed reviews for its customer service. While some customers praise their representatives, others have complained about dishonest agents and unprofessional behaviour. It's important to note that AAA's NAIC rating of 1.05 indicates that they have received more complaints than the average car insurance provider of their size.
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AAA insurance customer service
AAA Insurance is a not-for-profit membership organisation that offers insurance options and benefits like roadside assistance and travel planning services. While it is well-known for auto insurance, AAA also offers homeowners insurance.
AAA's home insurance coverage includes standard options such as dwelling, other structures, personal property, loss of use, personal liability, and guest medical. The company also offers extra benefits in some states, including Michigan, Minnesota, and Wisconsin.
AAA Insurance has received mixed reviews for its customer service. While some customers praise the company for its affordable rates and reliable policies, others have criticised the company for selling their information and for its handling of claims.
For example, one customer review mentions that AAA sold their information "to everyone, including the devil". Another review states that they have not heard back from AAA regarding their claim for hail damage, even after reaching out to several people in the company.
On the other hand, WalletHub's editors gave AAA Insurance a rating of 3.7/5 based on customer reviews, sample insurance quotes, and ratings from organisations like J.D. Power and the Better Business Bureau (BBB). AAA customers have highlighted the company's affordable rates, and it has received a high satisfaction rating from J.D. Power.
AAA Insurance provides several contact options for customers seeking assistance with their insurance policies. The company offers phone support, with dedicated numbers for different departments and services. These numbers include:
- 800-564-6222 for general inquiries
- 888-929-2911 for member operations
- 866-446-4522 for travel-related questions
- 877-323-4222 for new policy quotes and sales
- 800-207-3618 for customer service and claims
The company also provides a virtual assistant that members can chat with 24/7 after signing into their accounts. Additionally, AAA Insurance offers a mailing address for those who prefer to send their inquiries or correspondence via postal mail:
AAA The Auto Club Group
Administrative Offices
9125 Henderson Rd
Tampa, FL 33634
Overall, while AAA Insurance has received some negative feedback regarding its customer service, it also has a significant number of positive reviews, especially for its affordable rates and the availability of discounts. The company provides multiple contact options for customers seeking assistance, including phone support and a virtual assistant chat feature.
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Frequently asked questions
AAA homeowners insurance is worth considering, especially if you're already a member and can take advantage of the various discounts. AAA offers a wide variety of insurance options, including homeowners insurance, and is rated 3.7/5 by WalletHub's editors.
AAA homeowners insurance covers losses due to various perils, including fire, wind, theft, and vandalism. It also covers damage to detached structures on your property like sheds, fences, and swimming pools.
AAA homeowners insurance quotes average $3,116 a year, or $260 a month, which is 11% higher than the national average. However, it's important to note that coverage and pricing may vary depending on your location and specific club membership.
