AAA Homeowners Insurance Reviews

I switched to AAA Homeowners insurance in September, 2025 due to receiving a great quote. The switch was easy and my bank cut them a check quickly. I was enjoying my lower mortgage payments until March, 2026 when I received a message from my bank that my escrow account had a shortage of $900 and my mortgage payment would increase $70/month to account for the "short payments" my escrow account made to AAA and to reflect the following 6 months payment. I was not happy. Apparently, the person who inspected our house incorrectly added 400 square feet to our square footage. Apparently they posted a note about it on our online account, but I never received notice to look there and our agent didn't tell us, either. Mind you, we talked back and forth all the time during the quoting process, and he claims that he wasn't aware that the inspector made the mistake.

I had been a loyal AAA customer for 27 years. Never filed a home owners insurance claim. Upon time to renewal my house insurance they called me that they denied my house insurance based upon that I live 1,000 ft from brushes using some geo info system and AI. Nobody has ever came to my house to check. Based upon this claim they can deny coverage for the whole state of California. No loyalty just unfair inhuman practices. I do not recommend aaa anymore to anyone. You are just a number to them.

I have been a customer of AAA for over 20 years, and I am very disappointed with how my recent hail damage claim was handled. After a hailstorm in the Darien, Illinois area, we filed a claim for roof damage. What we discovered during the claims process was that important details about our roof coverage were buried within the policy language and were never clearly explained to us when the policy was sold.

Worst experience I am dealing with. After being with them for 3rd year. There was a roofer who told me there is roof damage. I requested for AAA assistance. They came in check and told me there is no damage. I thought It's as simple as that. Nothing to worry about. However, they had closed it as a claim with Zero $ pay out. This lead to my insurance going up significantly not just for my primary home but for every property I own. Because, I made a claim and there was a pay out (zero $). This limits me from moving to other insurance companies.

I am highly disappointed with AAA insurance. I switched my auto and homeowners insurance to AAA back in January. I was told I didn’t have to contact my old homeowners insurance company to cancel that policy because AAA would handle that. Apparently they didn’t handle it because I received a renewal in the mail this past weekend. I called my bank to see if they received a refund due to the cancellation and they haven’t and neither have I. Also, what I was quoted for auto insurance and paid for increased within two weeks of having the new AAA insurance.

I have been a AAA member for over 10 years and I decided to have my home covered by them,, well I have a claim on my plumbing,, I had a very racist adjuster come out. He started making little comments soon as I opened my door,, His name is Garrett and he’s very unprofessional,, He talked bad about the company that I had doing the work and he would tell my wife one thing and tell me something totally different and he kept expressing, 'Well it NOT YOUR HOUSE ANYWAY,", I’m the one paying the mortgage so who’s house is it? I was very disappointed with him and the way he was handling our claim,, He’s very rude and disrespectful

The worst insurance experience of my life. They were slow, the person assigned to me was arrogant and condescending. After I sell my house I will NEVER get insurance from them again.

We have had our homeowners insurance w/ Triple since 1981 and have also had our cars insured with them for many years. We had some water damage from a burst water line. Triple A offered us their full service program which we learned too late was a program designed to lowball their policy holders who have Triple A homeowners insurance during the claims process, specifically regarding replacement cost value (RCV) and total loss estimations. They also sent us contracts who acted unethically. They sent us a plumber from Exact Leak Detection who did not have a business license and who claimed they they did not need a building permit to do plumbing repair work. I had to go to City Hall to report thems so they then had no choice but to apply for the business license and obtain a building permit and inspection. The City required them to make corrections on the plumbing work they were doing on my home. All this caused major delays.

I pay my house insurance in full every year. I had a new roof installed. I called AAA and let them Know and sent them proof of roof installation. I was told I had a refund of 184.00 dollars. This was in Oct of 2025. I have not seen a dime of this money. When I call I get the run around. I even visited their office. Young lady said she would look into it and call me next day. This was a month ago. Never heard anything from her. AAA is quick to take your money but fails when they owe you. I have already cancelled auto INS with them and come August I will terminate house INS. They are too busy trying to sell you trips than take of business.

I bought policy’s from Ruben **. After I received your policy will be cancel march 3. I call several time. I left messages to Mr Ruben. No answer after I try to reach Customer service. Take 3 days each day 45 minutes I spend. I don’t like way they treat their customer. I will not recommend to anyone to buy policy from them.

Water leak and secondary damage in our home, as this issue has remained unresolved for the past three to four months. Despite our patience and efforts to accommodate AAA, including staying in tents on our property rather than in hotels to minimize expenses for meals and lodging, we feel that our commitment and cooperation have not been appropriately acknowledged. The manner in which AAA has managed this claim has been disappointing and discouraging. As loyal customers for 16 years, we had hoped our concerns would be addressed more promptly and effectively. Our objective remains to work collaboratively with AAA to reach a fair and comprehensive resolution.

I had Eddie and Michale out to my house to look at my furnace. They looked at it and informed me very well on what was needed. They worked with me to replace everything same day because it needs to be replaced and is all outdated. Very nice guys and very knowledgeable

AAA Homeowners Insurance takes advantage of senior members. Our homeowner policy expired December 31, 2025. I was notified of this event mid December and was given a new policy amount of roughly $2,600. Assuming we were on auto pay, the holidays and being senior and forgetful...The new premium payment was not made by the 7 day deadline of December 31. AAA notified us on January 7 that our policy was canceled. No warning. The next day, we immediately renewed the policy and paid in full. The new premium is now $3,100. They did not care. We asked to speak to a manager...She did not care. Our auto policy is on autopay. Why not homeowners.

Have a firm quote on home ins, asked ins value of home, gave the amount to insure, was told that is good.. After 2 months AAA revised home value by over 150,000.00 added 240.0 to premium..much higher than current ins.. I got #$%^$#

My policy was cancelled within the first year. They sent an email that didn’t receive and never contacted my mortgage company. I was told it was because of my pool. I have an above ground pool that has not been open for 2 years. The ladder is not in and it has a load bearing cover on it. They have pictures but said I have to have a fence. I have never heard such a thing. It has no way to get in and is completely covered and has a wire cable holding it in place. I’m so disappointed with the lack of service I would never recommend them to anyone!

If there were a no star rating that’s what I would rate them. We had storm damage to our roof. We lied to by the home owners regional director. Claim was denied. We tried to talk to someone at headquarters in Dearborn Mi. We were stonewalled. Got the phone tag run around one person actually told us they didn’t have a customer service department they had been my insurance company since I was 17yrs. Old Road service. Cars Sometimes 4 at once. Homeowners IRAs the whole 9 yards. So if anyone tries to sell you a AAA policy. RUN.

While I just signed up with them because I liked competitive quotes, I am disgusted with their requirements AFTER you have paid. YOU will have to do the underwriter's work by taking, uploading and submitting photos of the following: outside front, outside back (2), outside sides (2), landscaping, kitchen cabinets, sinks, stove, flooring, laundry room, flooring, inside garage, each appliance outside, bathroom sinks, showers, flooring, and TOILETS! I'm a senior and quite technically savvy; however, most my age are not. Someone would have to get off their duff and do the work. Had I been told this up front, the answer would be to forget it. My privacy has been invaded. I was required to do this THIS weekend with all my Christmas glory everywhere. I don't like it one bit!

I am writing this review as AAA didn't want to provide us homeowner insurance after 25+ years of engagement with them. They left us with very little time to find another Insurer. What is also disappointing was the fact that we had a bundle (including car/umbrella) with them. I found AAA irresponsible to conduct their business that way. Their reason is brush but we live in a community with a water reservoir next to it, and our house isn't in a so called "brush area". They had no consideration for the location of our home. Sorry but I would avoid contracting with such company.

I would agree with the other negative reviews. My sig other has AAA, my mother had AAA for over 60 years. She had homeowners on the same house I inherited and they said was now too old to insure. The rep was unprofessionally immature in her conversation with me, by ending a phone conversation with "have a good one". That's not how you speak to an adult or a senior citizen no matter how young I sound on the other end. I will review them everywhere online, in person, DON'T EVEN TRY TO SIGN UP WITH THEM. It's not worth the time.

We were members of AAA and had homeowners' insurance for over 30 years. We never missed a payment and never filed a claim. In 2023, we were dropped with little notice and few options, which followed massive fires in California. We lived in a neighborhood in Pleasant Hill CA, and NO parks or open spaces were adjacent to our neighborhood. We had a fire station 1 1/2 blocks away, and our neighborhood had remained the same in the 30-year+ time we lived there. AAA decided we lived in a fire-danger area (we DO NOT) and refused to renew. I believe they owe us at least 1/2 of our premiums over the 30 + years.