AAA Homeowners Insurance Reviews

I’ve been with AAA almost 20 years claim free, and the moment I had a claim after the August 11, 2026 storm, they scammed me. They sent out this adjuster and not only did he lie in his report after trying to deny items that should have been covered in my claim, he adjusted the layout of my home so he could avoid covering certain rooms and items in them. Then he tried to indirectly call me a lair. I understand FEMA is here to assist with aide, but it doesn’t mean you can push everything off on them so you don’t have to pay claims. What if they weren’t here?

After being with AAA for 27 years, since 1999 for Auto and Home Insurance, I filled hail damage against home insurance, just to be almost entirely denied! My advice to American consumers is STAY AWAY FROM AAA! This is one scam company with bunch of trained crooks who are there for their bonu$es and not for a consumer at all! - my 2 cents! Not surprised reviews are here 1 stars, If there was zero option most of us here (3k reviews) would give them as you can see.

I am extremely disappointed with my experience with AAA and the handling of my insurance claim. Communication throughout this process has been incredibly frustrating. Jason, my original insurance adjuster, left in the middle of handling my claim. I was not notified until after the fact, and my claim was transferred to a new adjuster. I was not provided with clear contact information for the new adjuster or a proper explanation of who would be taking over my claim. Since then, I have had an extremely difficult time getting ahold of anyone, getting answers, and receiving the reimbursement I am still owed. I have made multiple attempts to get assistance, but communication and follow-through have been lacking.

I called AAA to renew my roadside assistance. They asked me if I wanted to get a quote on auto insurance and and homeowners insurance, the woman was lovely. Gave me information right away unfortunately it was the wrong information. The numbers were not correct. Then when I went to call back, nobody would answer the phone. Nobody called me back. Nobody emailed me back. I was charged so at the time I was carrying two car insurance policies and two homeowners insurance policies would not recommend at all.

The phone menu for AAA is the worst of any insurance company I've ever dealt with. Absolutely impossible to get someone on the phone. Once you do, they're in the wrong branch and you get transferred. Half the time at this point, the call simply drops and you need to start again. Pick a different homeowners insurance company.

Due to the fires in Los Angeles in 2025, the winds blew my roof off and so I had to file a claim and get that taken care of. And now because I have claims under my name that have been paid and closed, they will not allow me to get renters insurance. I sold my home and I’m renting a house and they said that there have to be zero claims under my name for the past five years to qualify for renters insurance so they rejected me.

DO NOT USE AAA PROPERTY INSURANCE - WORST EXPERIENCE EVER! I have been a loyal AAA customer for both Auto and Property insurance for about 7 years, but after my recent experience, I am warning everyone to stay away. This has been the absolute worst customer service and claims experience I have ever faced. I recently had a water leak in my home. My claims representative, Stuart **, sent out a technician from the City Water Conservation Company to identify the source. To do this, the technician cut two holes straight through my garage ceiling and ripped out all the insulation foam. The issue was ultimately identified as a broken plastic condensation pipe.

Horrible experience twice with service provider that came to my home. Warranty horrible. Use to be a trusted brand. Now they don’t care and give you the run around until you don’t care and don’t bother. I will not be renewing my contract with this brand.

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.

I have learned there is good reason I chose to give my business to well respected and reputable companies. I recently found that I had a long standing water leak under my house This was found after sensing bad odors throughout my house. I was concerned for my dogs, myself and my home. The AAA team were true professionals from start to finish. My original call was handle with care and appropriate urgency. I was immediately connected to Hailey (senior adjuster) who also escalated my case to Josh (senior property estimator) to pursue coverage approval. Josh took quick action and approved my coverage within a day.

I have had AAA home owners and auto insurance for roughly 8 years. My late husband filed a small claim back in 2021 about some roof leaking into our family room and bedroom from hail damage to the roof. My husband passed suddenly in the middle of working on that claim. I didn’t know much about it. The adjuster came out and was amazing with me at the time. Explained everything and even said he was recommending that AAA completely replace my roof. Well they didn’t. They only offered to take care of the rubber roof and the family room ceiling. Both items I took care of immediately. No mention of any hail damage. I even fixed the ceiling in the bedroom even though they didn’t pay for that part.

I was shopping for insurance and received a quote from AAA to have both auto and homeowners' coverage. AAA had the lowest premium cost, so, before moving forward I asked the Agent to ensure that the premium was correct; the Agent confirmed that the quote was correct, so I moved forward and purchased the policy. Several weeks past and I receive a letter from AAA canceling my homeowner's insurance policy for the following reason: "we are unable to complete the required inspection of your property and ensure it meets our eligibility requirements". There is no reason why AAA could not complete the required inspection, is this their attempt to cancel the policy because of "their error or omission?" We will see ...

We had AAA for 20 yrs, recently we had flood due to our shower pan, e filed claim with AAA, they fixed the whole bathroom from tiles to shower door, and right after we had another water flow behind shower system and unfortunately we had to file claim right after, first job was not completed while second water flood happened. They dropped us due to claim. It was two months of stress to find another blood suckers insurance to cover our home, prices were outrages till I heard about Costco insurance. They saved my life. I got insurance with them less than what I was paying before. Stay away from them you pay premium but once you file a claim they drop you and all other insurance except Costco wants to milk you.

AAA cancelled me and designated my house as "Uninsurable" because of things like a lounge chair in my driveway, BBQ tools on my BBQ, my BBQ cover on the ground, canoes and Kayaks in my back yard, etc..... Seriously. I have the pictures to prove it. They would not define why these issues were a hazard to my house. I have a Fire Marshal inspect my property and said there is nothing wrong with my house. Note: I have found several people in Northern Cal who have the same experience.

What a scam. I called in May to cancel my condo insurance only to find out that the agent I spoke to never did. Now they won't my refund. Complete lack of integrity. And I've been a loyal customer for 39 years!!! Nope, not cool.

Had been a loyal member for a decade and needed to redo my roof because of the years of hail damage. The first person from AAA came to look at our roof said that we would be eligible for replacing our roof, but then he got fired and another person came over and said no. The company then emailed us that we damaged our own roof (we never did), so they won't cover the roof, but they will cover the gutters. Which doesn't make sense, how the gutters can be damaged from hail, but the roof can't somehow.

It is my biggest mistake choosing AAA. I've been waiting for one month for home insurance specially in Texas. Never recommend any. I already paid in full almost month ago still in waiting. I already call 50 to 60 times.

For a month, I have been attempting to get a response from AAA for the final depreciation reimbursement submission for my homeowner's claim. I have emailed, left voicemails, and reached out to the general customer support team a total of 20 times (Five emails, nine voicemails, and six discussions with agents that told me they would pass along messages). No one has replied.

AAA said that they would not renew our homeowners insurance if we did not replace the roof. The roof has no missing shingles and does not leak. From my experience in building trades it still has 5-8 years of life. What bothers me most is that an insurance company should not have the right to tell a homeowner that a roof needs repair or replacement, any more than the car insurance company can tell us when to replace tires or brakes. Location Chino Valley AZ.

AAA deleted my water damage coverage and replaced it with a Sump Pump Water Back Up And Overflow. I don't have a Sump Pump. I told the agent that I wanted to add Sewage Backup and not to delete or replace my coverages, she was incompetent, unprofessional, and not qualified, she didn't understand or pretended that she didn't understand. AAA increased my Insurance Premium by 60% last year and I didn't have much time to look around because the renewal was late. I also requested an explanation from agent, and she stated that she had sent request to underwriter, and she never received a response as to why my insurance increased to 60%.

Triple AAA is good for membership services and auto insurance but I realized it’s not for home insurance. I had a very bad experience with my home insurance. Would not recommend it for home insurance policies. Buyer beware. 👎