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AAA Homeowners Insurance

AAA Homeowners Insurance
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Overall Satisfaction Rating 3.93/5
  • 5 stars
    114
  • 4 stars
    176
  • 3 stars
    85
  • 2 stars
    13
  • 1 stars
    15
Based on 403 ratings submitted in the last year

This company is not yet accredited. See reviews below to learn more or submit your own review.

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.

BOTTOM LINE

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

PROS

  • Good coverage
  • Several discounts
  • Great pricing

CONS

  • Fewer options with certain AAA clubs

Top AAA Homeowners Insurance Reviews We Found

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Rated with 5 stars
Verified Reviewer

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 able to begin reconstruction the NEXT day... They are a sterling insurance company that values me as a client.

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Rated with 5 stars
Verified Reviewer

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 with the service. Steve handled my claim in a timely manner, knowing that I depend on my computer for my living.

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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
$75,000$560
$150,000$950
$200,000$1,200
$350,000$1,850

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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How do I know I can trust these reviews about AAA Homeowners Insurance?
How do I know I can trust these reviews about AAA Homeowners Insurance?
  • 2,936,162 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: Feb. 8, 2021

It came as a shock. In 43 years of purchasing homeowner insurance, AAA is the first and only time I’ve been canceled – for any policy. Why? “The condition of the roof on the dwelling presents an increased exposure to weather-related losses and makes the policy ineligible.” I would appreciate if you would let me know what roof condition concerns you, because I would like to address it, for my own sake. The roof was replaced in 2013, professionally installed with top quality shingles and does not leak. The old roofing materials were completely removed. There’s only one layer of shingles (using nails, not staples), along with underlayment materials and extra underlayment for valleys. I provided your agent with proof of the roof’s age and you sent an inspector who photographed my house and could easily see that the house is in great upkeep.

I suspected service would be lacking because after paying the premium, I couldn’t get any answers about the policy from the local AAA agency. They didn’t respond to emails or phone messages. A decent agent would have called me regarding the roof issue and termination. I suppose I’m lucky to be rid of you, before I had a claim.

I certainly don’t want to continue doing business with AAA. I can only imagine what trouble you would give me in the event of a claim. I’ve never had any home claim in the 43 years I’ve lived here. I don’t casually switch insurance companies, and will return to my prior carrier, a little more expensive, but with excellent service, according to friends who have made claims, and very responsive. But, I would appreciate, as a courtesy, if you would share with me your concern about the condition of my roof, as I will surely address any important issue. I want to continue my sterling record of no claims.

5 people found this review helpful
Rated with 5 stars
Verified Reviewer
Original review: Feb. 6, 2021

I called Triple A looking to combine my auto and home insurance policy to save money. The agent quoted me a price and sent an assessor to my home to finalize the quote. The price assessed price to combine my insurance was double the over the phone quote. I decided not to go with them for homeowners insurance and kept my auto insurance. Turns out they decided I owed them two months of coverage and charged me for their service. They sent me to collections a year later and refused to work it out with me. I filed a grievance with the company to report their misconduct. DO NOT USE Triple A for anything. I highly regret making that call and will never use them again.

5 people found this review helpful

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    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 1, 2021

    We are victims of both the Tubbs Fire (October 2017) and most recently the Glass Fire (September 2020). We purchased home insurance from AAA after our previous insurer increased our rate from $1700 to $4400 per year. We paid our premiums for approximately 1 year, when the Glass Fire hit. Luckily, our home was not destroyed as many of our neighbor’s homes were. We however, sustained significant damage to our property, to the tune of approximately $450,000. We submitted a claim immediately and an AAA adjuster came out to assess the damage. He admitted this was his first assignment as an adjuster and he was woefully unprepared. We received an $8,000 check as “settlement for our claim”, which we did not cash.

    We hired a third party adjuster to deal with AAA on our behalf, which has resulted in no cooperation whatsoever. We were assigned a new adjuster and an assistant, neither of whom will talk to us directly, in direct violation of California Insurance Code 15027 v (3). It’s been over 4 months and AAA has not paid a single dime against this claim, despite several letters requesting interim payments to reimburse us for our “out of pocket” expenses. They continue to delay and obfuscate by requesting receipts from the Tubbs Fire, current vendors performing the work we are paying out of pocket, etc. They refuse to respond to these same vendors when contacted directly for payment. The bottom line is that AAA is a bottom feeder and is not living up to its obligations as a reputable insurer. Do not buy insurance from AAA, no matter how cheap. They are disreputable scammers.

    4 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: Dec. 5, 2020

    I enjoy the travel perks AAA provides me plus insurance for home is a good value. A rider I purchased for additional loss of personal items I own, was easy to make a claim when a loss was experienced. I thought my reimbursement was fair and all took place in a week.

    2 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Sept. 27, 2020

    I'm 61 years old and been in the service business for over 35 years. I have dealt with many insurance companies for businesses and homeowners but I have never seen or experienced such unreliable, unprofessional service, as the agents were completely incompetent. They kept changing everything they promised from pricing to requirements. The experience was so bad, that I went out of my way to report it to the Consumer Affairs which I have never done as a 61 year old man.

    31 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Aug. 13, 2020

    I wasn't sure about AAA home insurance until now. We had wind and hail damage. 2 Roofers came out and gave us pictures and pointed out where the wind and hail damage was and where some shingles flew off. The AAA adjuster came out really fast and claims there was absolutely no wind and hail damage. Incredible. These people are totally incompetent. I've never seen such a home insurance company like this. Maybe they thought they were looking at a car? Now we have to go through a review/appeal process. I don't know how anyone can give them a good review unless it's all fake. One way to hide your mistakes.

    40 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Aug. 12, 2020

    Maria ** Complainant against AAA Automobile Club of Southern California under claim# **. On May 20, 2020 at about 5:45 am trying to get ready for my lung biopsy needle procedure. My sister – Amelia ** was screaming stating water all over the place especially in her bedroom, living room, kitchen, and bathroom. Almost entire first floor rooms were flooded. I went ahead and shut down the main water valve outside the house. I called a plumber and have my brother – James ** assisted him since I was on my way to the Saddleback hospital at that time. While on my way to the hospital I also called AAA Automobile Club of Southern CA and reported the incidence. I spoke with Ms. Jessica ** and provided me claim#**. Ms. Jessica ** stated that someone or an adjuster will be calling me. I mentioned to Ms. Jessica ** to speak with my daughter Elaine ** for now due to my health condition.

    When I came back from hospital the plumber along with Procore restoration told me that slab leak was from caused by hot water high pressure. Due to water trying to find the way out it causes water leakage spread out even between the slab and tile caused a tile to crack and others with hallow sound or ready to pop. I cannot really communicate or talked that much to my plumber (Chris) and Procore (Mr. Gerardo **) at that time due to just got out from hospital. They were respectful and understood what I am going through. They all made sure water shut down and advise us to call my insurance to get a temporary shelter.

    In spite of my health condition I have been trying to contact my adjuster Mr. Sean ** but most of the time either he is not there or our schedule does not tag along. On May 22, 2020 I talked to him about our situation. Mr. Sean ** mentioned that he is going to send Serv Pro. I said I already committed with ProCore restoration team/ Premier and as an insurer I have the rights to get who I wanted. I told him that I trusted my team and they will be my spoke persons due to my health condition.

    I was scheduled to have a lobectomy and trying to recuperate but all of these just got aggravated big time. Instead of me recuperating from my health issues talking with AAA adjuster Mr. Sean ** made it worst physically and mentally especially when I spoke with him on May 22, 2020. Mr. Sean ** kept saying it is time for him to go or go home. I kept telling him that I just got out of the hospital and scheduled for surgery. He is not concerned about what my health conditions. Instead he kept saying it is time for him to go home. Mr. Sean ** customer service was really aggravated my health conditions. I told Mr. Sean ** that the ProCore team are starting the restoration and my family needed a temporary shelter. Mr. Sean ** kept telling that without the plumbing status of work it cannot be done. He kept telling me that he needs to go now or go home then he said, "You can talk to my supervisor."

    So, I went ahead and talked to his supervisor Ms. **. She told me that we can go ahead and find somewhere to stay and call back Tuesday May 26, 2020. I told Ms. ** that Mr. Sean ** specifically told me that without the status of work from plumber we cannot do that and I don’t want to jeopardize that. I told Ms. ** as well please be aware that it’s long weekend (due to Memorial Day weekend) hard to get book for hotel at anywhere. I told her that the total persons live in my house are nine (9). It is hard to get a house or hotel. It will cost a lot to get a hotel to accommodate all of us. I also told her my health conditions that I am trying to recuperate but instead Mr. Sean ** aggravated it.

    I am very pleased with ProCore restoration (Mr. Gerardo **) and Premier Restoration Services Inc. (Mr. James **) for helping me all the way. My team really do an excellent job. They are professionals and knowledgeable. They are my representative especially Mr. James ** from Premier Restoration. From the reports I have been getting from AAA investigators such as Paley, Soil inspector, and so forth I will say Premier Restoration Services Inc and ProCore restoration are more honest, knowledgeable and experts. They are highly recommendable, I don’t understand why in the beginning Mr. Sean ** change his way of dealing with my claim after I explained I am going to use my own people. I feel like after I told him I am going to use my own people he was mad and I believe the delays I am going through is out of retaliation of not using his contractors. I am sorry I can use his contractors. Even their repair contractor made a mistake with the drywall in the garage. I don’t trust their contractor.

    We have been with AAA Automobile Club of Southern California members for so long approximately 30 years. We bought our house on November 6, 2018 and use AAA as home insurance. Now that I am getting these bad experiences from AAA no doubt that 30 years being a member will end. AAA adjuster Mr. Sean ** and his team made us stays in Airbnb from May 29, 2020 up to now. AAA is paying for that temporary shelter and I thank them for that but that’s not cost effective at all.

    AAA are doing lots of investigations wasting time instead of resolving the issues and get it done. Proofs been submitted but they wanted their own results and hire their own people that they can manipulate the results. They hired Paley Stone & Tile Forensics also known as Atlas to investigate. Our existing tile was discontinued, which meant insurance should pay to replace the existing floor. Paley Stone & Tile Forensics was hired to lie and provide a report so that AAA would not be liable.

    I just don’t know why AAA kept sending their hired experts to investigate my property when all proofs provided. I am not an expert or good at plumbing, maintenance, and so forth but I have common sense that I can see what’s going on. he water leak or flooding was beyond my or our control. I don’t believe AAA is handling my claim with good faith, because they are taking too long. They don’t give me information I have to ask Mr. James ** to get me an update. When he asks them for information they take a long time to answer. Sometimes he has to remind them they are supposed to respond by a certain time, and then finally they respond. For example the Policy. It took over 3 weeks to produce my policy. If it take that long to produce my policy then how can the adjuster make coverage determinations.

    I believe this is Mr. Sean ** way of discriminating against me because I did not use his contractor. If they is the way he is bullying me that’s not how you do business. This whole claim is taking too long. I want to get back to normal as soon as possible. I read other complaints online about AAA and now I see those complaints are true, because I am living the same experience.

    Maria

    22 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Aug. 11, 2020

    Recently we had to file for damages on our dwelling for roof damage. I was shocked to find that our $2500.00 deductible was actually $7000.00 with AAA's ACV damage program. We did sign up for a full coverage program, but as soon as our roof reached the 10 year mark, (now 12) they automatically added the ACV endorsement to our 12 year old roof. What a shock. The $2500.00 was expected, the additional high cost was not. Taking out a 6500.00 loan on our home is the only option to complete the repairs. Buyer beware. Our complaint with our State Insurance Corp. has yet to receive a response. Either way, this company looks good on the outside, but no so much on the inside.

    17 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: July 23, 2020

    I have been a member of AAA for 38 years. This year I switched my home insurance for my newly renovated home from AAA. The representative asked me dozens of questions about every detail of the house and he directed me remotely to take photos of every room and outside. Subsequently a policy was issued, I paid for a year in advance and I informed the old insurance company to cancel the old policy. A couple of weeks later I received a 30 day cancellation notice from AAA without any specific reason. After several attempts I was able to contact the AAA rep for an explanation.

    After that he called me back to ask for all the renovation permits and all the invoices; I provided volumes of documents and the rep told me that he will forward it to the underwriter and that he will call me back. I tried to follow up with him numerous times, leaving messages and sending several emails; as we got closer to the cancellation date, I gave up and I obtained new insurance through Costco within two days without all the hassle and at a lower premium and they gave me free roadside assistance as well! It is unfortunate because AAA used to have great service.

    22 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: July 7, 2020

    We had a really bad rainstorm the early part of 2019. With strong winds, water was coming inside our kitchen, and it looked like a waterfall. Our ceiling was bubbled, and started coming down, our kitchen cabinets started to separate from the walls. We noticed the walls in our bedroom were waterlogged, and under the head of our bed, the carpet was drenched. We called AAA to come do a claim on the kitchen and bedroom. They sent this girl out, who took some photos, told us to get some contractors' estimates, and she would get back to us in a few days...Over a week later, it's starting to stink of mold in our bedroom, my wife has asthma and her breathing started getting worse, she ended up in emergency with a major attack.

    The Doc. told us to stay in a hotel until AAA can rip out the carpet and pad...Still nothing from AAA...Over 2 weeks later, and lots of phone calls to AAA, and still no answer, I had to hire a contractor to remove a whole wall from the ground up, 3 quarters of the ceiling, all the insulation, and replace with new drywall, insulation, etc. Now, AAA finally calls back, and tells us that since we did the work in the bedroom, they won't pay for it...NOW, in the meantime they find out there are a bunch of roofing tiles gone from the roof, and the roof is exposed, that's where the water came in from...We got 3 quotes from contractors to restore our kitchen walls and cabinets.

    AAA sent their guy in to give us an estimate, and he says they can't do the work. Then AAA says the quotes are too high, and "they aren't in the business of remodeling kitchens."? The house is over 30 years old, and the kitchen has never been remodeled...It was in perfect working order, and we just want it replaced with comparable cabinets. AAA then tells us, "We should have used their contractor in the beginning"... Their guy said he couldn't do the dang job! She wouldn't approve any contractor I found, AAA's payout to us would be $18,000 to do the roof, bedroom, kitchen! The lowest bid we can find is from Sears at $32,000 just to get the kitchen back to where we can put our dishes back, and cook!

    The roof is estimated at $4000...The bedroom was $3,500. Total for the whole thing is $39,500. We're not asking for AAA to pay for the 2 weeks in a hotel, or any other expenses we had to incur...We pay our premiums on time, every month, year after year! AAA should have our backs! AMENDMENT: It's now July 6th 2020....and STILL no working kitchen, we had to pay for the roof and bedroom out of pocket.

    22 people found this review helpful
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    AAA Homeowners Insurance Company Information

    Company Name:
    AAA Homeowners Insurance
    Website:
    www.aaa.com