AAA Homeowners Insurance

AAA Homeowners Insurance

 3.9/5 (641 reviews)
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Overall Rating3.9 out of 5
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About AAA Homeowners Insurance

AAA is well known for its auto insurance, but it also sells homeowners insurance. If you're already an AAA member, you can qualify for several discounts on your policy. Bundling your auto insurance from AAA with your homeowners insurance is a great option if you're looking to save.

Pros & Cons


  • Good coverage
  • Several discounts
  • Great pricing


  • Fewer options with certain AAA clubs

Bottom Line

AAA homeowners insurance provides excellent discounts and pricing. Options and coverage vary by club, but the overall coverage is reliable.

Top AAA Homeowners Insurance Reviews


Had a violent windstorm a few years back that caused an oak tree to fall on and crush my attached garage. A day later, my AAA guy was at my home evaluating the damage... They were...

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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 wit...

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How does AAA homeowners insurance work?

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. However, policy options and discounts vary depending on the AAA club you belong to.

AAA homeowners insurance cost

AAA has some of the cheapest homeowners insurance quotes available. Below, we have examples of annual rates — keep in mind that factors like home location and value affect your premium, so yours may look different.

Estimated AAA homeowners insurance annual premiums

Value of homeEstimated annual rate

AAA homeowners insurance discounts

Several discounts from AAA help lower the cost of your home insurance, including:

  • Smoke detector and home alarm: If you have either of these devices, you can receive up to 15% off 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 10% off your policy.
  • No claims: If you don't make a claim for three years, you get a discount of up to 13%.

What does AAA homeowners insurance cover?

Most homeowners insurance from AAA are HO-3 policies. HO-3 insurance covers property damage caused by all perils (e.g., fire, lightning, vandalism) except specifically listed exclusions (e.g., pests, wear and tear) and covers personal property damage attributed to named perils (e.g., theft, smoke damage). The basic types of coverage offered by AAA include:

  • Dwelling protection
  • Liability protection
  • Personal property protection
  • Guest medical protection
  • Additional living expense coverage
  • Other structures protection

AAA homeowners insurance FAQ

Does AAA homeowners insurance cover mold?
For clubs in most areas, AAA insurance covers mold, but some clubs do not offer full coverage for mold.
Who underwrites AAA homeowners insurance?
The policy underwriter varies by AAA club. Individual clubs outsource homeowners insurance policies to third-party providers.
What does AAA homeowners insurance cover?
AAA homeowners insurance covers damage to your home, your personal possessions and liability. Coverage options vary by club.
Is AAA homeowners insurance cheap?
Yes, AAA homeowners insurance is cheap compared with similar coverage offered by competitors.

Is AAA good homeowners insurance?

We think AAA homeowners insurance is worth it, especially if you're an AAA member and can take advantage of the numerous discounts. Coverage and pricing vary based on which club holds your membership, so the best thing to do is get a quote and decide if the protection is worth the cost. If so, AAA homeowners insurance will serve your needs well.

AAA Homeowners Insurance Reviews

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Page 1 Reviews 0 - 10
Verified Reviewer
Original review: April 26, 2023

My claim experience was so bad that, when I cancelled the policy, the agent who sold me the policy told me he probably would have done the same thing. The whole process took about six months and the desk adjuster repeatedly ignored me, so I often had to ask my agent to contact her for me. After a hailstorm, AAA agreed to replace half of the roof (overlooking hail damage on the other half) and told me to repair the siding, but wouldn't replace it. That type of siding was no longer manufactured and, after repeatedly explaining this to the desk adjuster, I threatened to file a secondary claim because the interior water damage was visibly worsening. She still refused to replace the other half of the roof and changed the reason every time we sent in pictures to answer the previous reason. She also refused to issue a denial of the supplement request and told me in writing that she would not issue a denial letter.

She sent an engineer who claimed that there was no hail damage anywhere on the roof and issued a strongly worded denial letter, although she did agree to replace a roof vent that she had previously claimed was only damaged after the initial inspection. The engineer's report was dubious and it referred to 3-tab shingles, but the roof had architectural shingles, and this was not the only flaw. I reminded the adjuster of her earlier written statement that she wouldn't issue a denial letter, but she said it didn't count.

After completing the approved work, I sent in pictures and receipts and asked for payment, but after multiple emails and five weeks of waiting, no payment was sent. Through my agent, I threatened to report it to the state, at which point payment was sent with an apology for the "oversight." After completing a post-claim survey, I got a call from the adjuster's manager who defended the decision. I asked for evidence of the engineer's expert credentials, and he sent the engineer's own resume which showed no training in roofing or construction. He had an engineering degree and had worked a series of unrelated jobs. When I pointed this out, the adjuster's manager did not refute it, but told me in writing that AAA stood by the report.

3 people found this review helpful
Verified Reviewer
Original review: March 20, 2023

My parents have been with AAA for 57 years and have all of their insurance with AAA (car, home, blanket). They live in Orange County Southern California, where we have been experiencing extreme rain and storm damage. Their roof started leaking when the rain season started, and in addition to the roof damage there is considerable water damage to portions of the interior of the house (ceiling collapse, walls, wood flooring).

The adjuster came and inspected the situation and AAA then denied the claim because the damage is not caused by storm damage, and explained that there is a clause in their policy that says the roof leakage has to be caused by something like a tree falling on the roof to open it up. It does not cover leakage and damage caused by wind and rain. When the adjuster was doing the inspection he said that the claim was going to be denied for the reasons stated above, and said that he was very sorry. He also said that he had worked to as an adjuster for other home insurance companies that did not have that special clause in their policies and that would not have denied this claim. Needless to say I'll be changing all of their insurance policies to different companies, but unfortunately it is too late for this damage/claim. I wish I had known about this situation before the damage occurred.

6 people found this review helpful

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    Verified Reviewer
    Original review: March 7, 2023

    I just received a cancellation notice because of “4 not-at-fault “ incidents. I have had AAA as my carrier for several years, with a bundle home/auto policy. I have never made a flood/hurricane/fire/robbery claim in that entire time. The 4 “not-at-fault” incidents are all auto: 1 was a rear end collision and his insurance covered it in total, the other 3 are WINDSHIELD REPAIR!!! REPAIR, NOT REPLACE…EACH TAKING 5 MINUTES OR SO. I thought I was doing the responsible thing by reporting when there was just a little chip so that it could be repaired and not replaced which would be costlier!!!

    Living near all this new construction makes the stones and pebbles pretty hazardous but they have taught me not to do the right thing...just wait till it shatters and needs a major repair. This decision came down from the Florida Automobile Underwriting Association and cannot be appealed. Obviously they are using every excuse in the book to not insure homes in Florida. It should not be allowed! Fraudulent!

    4 people found this review helpful
    Verified Reviewer
    Original review: Feb. 28, 2023

    Hail storm in 2016. All of my neighbors got new roofs and mine was significantly damaged according to a local roofing expert. AAA sent two adjusters both of whom must have been blind because they both said "no damage." Problem is, my roofer took pictures of all the damage. Yet, they still denied the claim. After I kept appealing the denial, AAA eventually gave me money for hail damage to my aluminum siding. Imagine that, the hail damaged the sides of my house but completely missed my roof according to AAA. AAA will be glad to collect your premiums but good luck getting them to pay a claim.

    3 people found this review helpful
    Verified Reviewer
    Original review: Dec. 28, 2022

    I have been with AAA for better than 6 years. Last year I had a small kitchen fire. It took the claims person 8 months to approve my contractor's proposal. He had to rewrite it 7 times. Took months for the claims person to approve it. Then the claims person told me my contractor's prices were too high. These last 11 months have been hell. I am still living in boxes because of them. Once I get my home back to where it was, I am going to drop them like a hot plate. I thought going to AAA, being a good name was the way to go. Wrong!!! Never again.

    13 people found this review helpful
    Verified Reviewer
    Original review: Oct. 1, 2022

    After months of their losing papers and giving incorrect information the State of TX had to intercede to force them to non activated policy. This company has independent groups and rules and the kept sending my call to California. I have sent proof of insurance with another company and out of spite they turned over a bill to collection that is going to court. AAA states they can not stop it even though they admit I had another company. It has been a horrible experience for over a year. I can not go to court due to an issue that may require a leg amputation. Do not use this company. The agents tell you there is coverage that is not there. If it takes months to go through all the required photos and documents, I can not imagine how bad and slow their claims process is. The current response is that once in collection there is nothing they can do to stop it. No way to cancel even with proof of their fraud.

    I tape all calls with companies for cases like this. Most are a bit more subtle. AAA does not bother with customer service. They need an investigation. One more warning. One person will admit receiving information but another on the same day will say there is no evidence of receipt. They have passed bad service. This is knowingly providing false information. There are better companies. Check them out first.

    8 people found this review helpful
    Verified Reviewer
    Original review: Sept. 21, 2022

    I recently switched insurance companies from Geico to AAA to save money. Ali at the Bakersfield office was very helpful and courteous. He gave me a good price so I agreed to switch. Three weeks later I get an email from his underwriter telling me they made a mistake and my policy was going up by $560. Needless to say I was furious. Why do I have to pay for their mistakes? Now I am stuck with a higher bill than I was paying before, after all the headache of switching over. Stay away from this company. They drastically over insure so they can charge you more money.

    8 people found this review helpful
    Verified Reviewer
    Original review: Jan. 26, 2022

    Have been a AAA member for over 30 years, with AAA auto policies and homeowner's. In November of 2021, my premium increased by 50%, having not increased significantly for a number of years. My renewal notice shows that my HO premium is increasing by an additional 80% for the coming year. When I called to find out why I am being overcharged, I was told there was nothing to be done, other than increasing my deductible. No discounts for smoke detectors, no claims, or any of the other discounts listed on the CA summary page. I was told that because construction costs had increased and because of fires, my premium increased by 120% in a 3-month period. I am actively shopping for a new carrier...

    20 people found this review helpful
    Verified Reviewer
    Original review: Jan. 20, 2022

    I would rate them -1 star if I could. I I have had them for 10 years, 2 vehicles and home insurance, I have never filed a claim until now! The Huntsville Al branch is the laziest people in the world, especially "Amy **". Me and my family have been without water since Oct 2021, we are using the neighbor's showers as the pipe is busted underneath the slab and pours water into my home. Their policy says they are entitled to provide access to the leak but they refuse because it's underneath my kitchen cabinets and tiled floor. I have had to contact a lawyer and the health dept. Please, I beg you guys to not use AAA as your insurance company, you will regret your decision! They will NOT help you, they are liars and thieves! Take your money elsewhere because with AAA you can not rest at night knowing they got your back because they DO NOT! I have warned you!

    27 people found this review helpful
    Verified Reviewer
    Original review: Sept. 10, 2021

    I called AAA to purchase homeowner insurance. Made $1400 payment in full, signed document online and agent said they will provide evidence of insurance (EOI) so I could close my loan. After that, I couldn't get a hold of that agent to get my EOI despite multiple tried. Then I called customer service line, they couldn't get a hold of him, gave me his supervisor info. Of course, no one could get a hold of him either. After several calls, reps and supervisor kept telling me because it takes weeks for it to show in system that's why they can't get EOI for me other than the original agent and his sụp. And then kept telling me it will be escalated.

    It's been over week of calling/talking to AAA management and of course I still didn't get my EOI and what even more frustrating that I couldn't even cancel to get my money back because only that original agent can do it. How ridiculous is that. This costs my loan to not close on time and I was surprised how fishy AAA is in handling this. If I could give a minus star, I would.

    23 people found this review helpful
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    AAA Homeowners Insurance Company Information

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    AAA Homeowners Insurance