Auto Club: Home Insurance For Peace Of Mind

The Automobile Club of Southern California, an affiliate of AAA, offers homeowners insurance to its members. The Auto Club is the parent company of affiliated motor clubs that offer insurance to members through affiliated insurance companies. The Interinsurance Exchange of the Automobile Club is California's sixth-largest home insurer. The Auto Club of Southern California is also one of California's largest auto insurers, and it backs affiliated AAA clubs across the country. AAA members can benefit from a wide range of insurance products, including homeowners insurance, auto insurance, and life insurance.

Discounts for bundling home and auto policies

The average discount for bundling home and auto insurance is 14%, which equates to savings of around $466 per year. However, some companies offer even higher discounts. For example, Allstate offers a bundling discount of up to 25%, while Farmers Insurance offers an average discount of 20%. State Farm offers a bundling discount of up to $1,273 per year, which equates to a discount of around 23%.

In addition to the financial savings, bundling home and auto insurance can also simplify policy management. You will typically be able to manage multiple insurance products in a single online account and via the same mobile app. It also means you will only receive one bill for both policies each billing cycle and may only need to pay a single deductible if your home and car are damaged in the same event.

When considering whether to bundle home and auto insurance, it is important to shop around and compare quotes from multiple insurance companies. You should also review your policies when life events happen, as staying with the same insurer for several years can be a good way to earn loyalty discounts.

Coverage for water damage

Water damage is one of the most common and costly home insurance claims. Water damage and freezing claims account for 23% to 24% of all home insurance claims, and the average claim payout is $12,514.

Homeowners insurance can pay for damage from certain water problems, but not all. Generally, water damage that is considered “sudden and accidental” is covered, but not gradual damage. For example, a burst pipe is usually covered, but not a leaking bathroom sink. Flooding also isn't covered by homeowners insurance, so you'll need a separate policy if you want protection against floods, hurricanes, tsunamis, storm surges, or overflowing rivers.

• Accidental leaks, such as leaking plumbing or an appliance leak, like a broken washing machine or dishwasher.
• Burst pipes. This may include frozen pipes, but not if you neglected to keep the home heated.
• Ice dams that cause sudden damage, as long as they weren't caused by a lack of maintenance.
• Water damage after a fire, such as from a sprinkler system or fire hose.
• Water damage from a roof leak, such as storm damage or a fallen tree.
• Water damage from storms, such as heavy rain or hail.

On the other hand, here are some types of water damage that are typically not covered:

• Flood damage, including hurricanes, tsunamis, storm surges, and overflowing rivers.
• The cost to repair or replace the source of the water damage, like a broken dishwasher or washing machine.
• Water damage due to lack of maintenance or negligence, such as failing to repair a plumbing problem or not keeping the heat on during freezing temperatures.
• Water damage from “earth movement”, like an earthquake, landslide, or mudslide.
• Water damage from intentional acts, like setting a fire to your home or turning off the heat during the winter.
• Water damage from leaks from a swimming pool or other structures.
• Water damage from seepage or leaks through a foundation.
• Water damage from a sump pump failure or related equipment.
• Water damage that backs up through a sewer or drain, unless you purchased special coverage.

To protect your home from water damage, it's important to take preventative measures and stay on top of routine maintenance. For example, you should fix a leaky faucet as soon as possible and drain water heaters twice a year to prevent sediment buildup. Inspect your roof regularly and make any necessary repairs, such as replacing missing or damaged shingles. It's also a good idea to clean out your roof gutters to prevent water from pooling near your home's foundation, which could seep into your basement.

Discounts for paperless billing

The Automobile Club of Southern California (AAA) offers a range of insurance products and services to its members, including homeowners insurance and auto insurance.

While there is no explicit mention of a paperless billing discount for homeowners insurance, AAA does offer various discounts and benefits for its members who sign up for paperless billing and automatic payments for their auto insurance policies. By opting for paperless billing and AutoPay, customers can save up to 10% on their monthly auto insurance bills. This discount can be combined with on-time payment discounts when payments are made through a checking account.

To qualify for the paperless billing and AutoPay discount, customers can set up these options during policy sign-up, call an agent after sign-up, or create an online account and change their billing preferences. It's worth noting that some companies may only apply the discount when both paperless billing and automatic payments are selected.

In addition to the convenience of paperless billing, AAA offers a range of other auto insurance discounts, such as multi-policy, multi-vehicle, good student, and loyalty discounts. These discounts can help members save significantly on their auto insurance premiums.

For homeowners insurance, AAA also provides several premium discounts for qualified members who select specific packages. These include discounts for fire-resistant roofing, smoke detectors, fire alarms, coverage for homes less than ten years old, multi-policy, single-story homes, and homeowners who are 50 years of age or older.

Discounts for new homes

Homeowners insurance is a type of insurance offered by the American Automobile Association (AAA) to its members. The availability of discounts for new homes will vary depending on the state and the specific insurance company. However, here is some information on discounts for new homes offered by different providers:

Auto Club Group (ACG)

The Auto Club Group (ACG) is one of the largest AAA clubs in North America, providing insurance to over nine million members. While ACG does not specifically mention discounts for new homes, they do offer a range of other discounts for AAA members. These include bundling policies, insuring multiple vehicles, having a good driving record, completing a defensive driving course, and installing anti-theft devices.

Automobile Club of Southern California (AAA)

The Automobile Club of Southern California, an affiliate of AAA, offers a variety of insurance types, including homeowners insurance. They provide hundreds of discounts, including rate reductions, road service, and shopping, travel, and hospitality packages. While they do not have a specific discount for new homes, they offer a "Green" coverage option, which includes using environmentally responsible and energy-efficient materials for repairs or replacements. Additionally, they offer the YourHome Advantage package, which provides a claims deductible waiver and identity fraud expense coverage.

AARP Homeowners Insurance Program from The Hartford

The AARP Homeowners Insurance Program from The Hartford offers several discounts and benefits for AARP members with new homes. Having good credit and no previous claims may result in additional benefits or a claim-free discount. They also recommend getting a home and auto insurance bundle, installing a home security system, or adding more fire protection to reduce premiums.

It is important to note that insurance offerings and discounts may vary by state and insurance provider. Be sure to review the specific details of your insurance plan and consult with your insurance provider to understand the discounts available for new homes in your area.

Discounts for smoke-free homes

Home insurance is a type of insurance offered by the American Automobile Association (AAA) to its members. It is provided by the Auto Club Group (ACG), which is one of the largest AAA-affiliated insurance companies in North America. ACG provides insurance, travel, financial, and other services to millions of members.

AAA home insurance is a great option for those who already have a AAA membership or auto insurance policy. It offers a wide range of discounts, including one for smoke-free homes. This discount is available to those who do not smoke and can help reduce the cost of home insurance premiums.

In addition to the smoke-free discount, AAA offers many other ways to save on home insurance. For example, members can save by bundling their home insurance with an auto insurance policy or by taking advantage of protective device discounts, multi-policy discounts, and new home discounts. AAA also offers discounts for those who are over 50 years of age, have a good credit score, or have been loyal members for a certain number of years.

The availability of these discounts, however, may depend on the regional AAA auto club and insurance subsidiary that you are a member of. It is always a good idea to review your policy and contact your insurance provider to ensure that you are taking advantage of all the potential discounts that are available to you.

By maximizing these discounts, homeowners can significantly reduce their insurance costs and enjoy the peace of mind that comes with having reliable coverage.

Frequently asked questions