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AAA Homeowners Insurance

AAA Homeowners Insurance

 3.8/5 (344 ratings)
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
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About AAA Homeowners Insurance

This profile has not been claimed by the company. 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.

Overall Satisfaction Rating

  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars

Pros

  • Good coverage
  • Several discounts
  • Great pricing

Cons

  • 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

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Rated with 5 stars
Verified

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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Rated with 5 stars
Verified

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
$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?
  • 3,390,257 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 - 5
Rated with 4 stars
Verified Reviewer
Original review: June 26, 2021

My experience with AAA has been a fairly good one. Combining auto with home insurance gave me a great discount. The first agent that worked with me was very diligent and was able to save me a great deal of money, however the 2nd year around they were no longer working in that department and I received a less than personal degree of service. I don't think the business of insurance has become all that personal anymore.

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Rated with 4 stars
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Verified Reviewer
Original review: June 13, 2021

I'm locked into this company because of my sinkhole coverage but would gladly shop if not. They're o.k. but aren't progressive in trying to save me money and finally this year, five years after the fact, they informed me to replace a 20 year old roof for savings. Increases start at 15 years in Florida. ;(

2 people found this review helpful

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    Rated with 4 stars
    Verified Reviewer
    Original review: June 11, 2021

    After 15 years with another large insurance company, I switched to AAA simply because it was less expensive for the same exact coverage. I gave my previous agent a chance to meet AAA’s price, but she couldn’t discount my policy to meet or beat the lower rate.

    2 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.

    21 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.

    3 people found this review helpful
    Rated with 1 star
    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.

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    Rated with 1 star
    Verified Reviewer
    Original review: Aug. 3, 2021

    Multiple family members and I had both HOI and auto. AAA changed our auto billing to 10 months without telling us and despite many calls wouldn’t change it back. Now they are coming after a cancellation fee after spending months refusing to change our billing when they promised they would. We were on the phone with AAA four months in a row, over two hours each time trying to get this fixed. They would promise it would be fixed and it wasn’t. AAA bombs you with letters that are impossible to read. Steer clear of this company, there is a reason they have a F rating with the BBB.

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    Rated with 1 star
    Verified Reviewer
    Original review: July 13, 2021

    The insurance manager at the city of Rancho Cucamonga CA branch openly discriminated and when the matter was reported to his immediate boss. He tried to shove the matter under the carpet. I was persistent to get answers. Ultimately the VP sales got involved and he being from a Middle eastern origin tried to put the lid on the matter. When the matter got reported to the California Insurance commissioner he openly denied the facts. The facts that I have a paper trail of discriminatory attitude from the branch manager. Talk about arrogance and racial discriminatory cover up AAA. The letter of apology was promised via email. The letter never made it to me VP operations contact information was denied to me.

    Go figure the company is full of racially motivated discriminatory people. The company needs to open up to admit the problem of racial disparity and racial discrimination shown by its officers to members of different ethnicities. I am the change because the changes begins from I. I have to stand up for my rights because my money is green like the money of any other person.

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    Rated with 5 stars
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    Verified Reviewer
    Original review: June 12, 2021

    Pricing has been fair and competitive. The AAA agent has been easy to work with and since AAA has a good reputation hopefully their homeowners insurance will be equally as good service.

    3 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: June 4, 2021

    I live in a townhouse. Our neighbor and I had our roofs redone at the same time. We have now have a leak several years after and cannot seem to find where it is coming from. The roofer said it's not from him and has come out to check it out - has to be from him! It only leaks when it pours hard for an extended period of time. Thankfully that hasn't happened much over the months living in Florida. The leak is in my husband's closet where we have had to move everything out. At times rain pours through the light fixture into a cooler that we have underneath to catch the water. AAA nor Belfor Restoration can find the leak and we have been dealing with this since August 1, 2020. They said they would send an engineer out however this has yet to happen.

    I have been a AAA member for over 25 years and this is how we are treated. Not fair at all. I have let 11 message with my Rep and the home office has left messages for them to contact me. Haven't heard from them since September and now he calls and says he's closing my claim. Sorry but it ain't happening. Never had AAA home ins before and only got it because they cover mold and another neighbor has them. WELL at this time they have not covered anything. We have tried to patch what we can however my husband is terrified of heights since we have 2 roof levels and is not a handyman at all. When all said and done I am not happy with this company and will be trying to find another very soon! AAA home insurance SUCKS!!!

    4 people found this review helpful
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    AAA Homeowners Insurance Company Information

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