AAA Homeowners Insurance Reviews

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. 👎

Got reported and lived in a no fault state: no injuries, no damage property..Unreal but got doubled the insurance payment. That Lexis reporting is unfair seems way to get more of your money. Also, AAA Home Insurance did not want to process a roof damage that a roof company clearly saw the dents and documented them. Instead the AAA agent said 'ei, do you see other roof damages in the area' it was very insulting comment. AAA agent got without my permission some pictures of my gutters that were damaged by that storm. Now all the photos are in my AAA file and watch out for wrongly reporting and no help by AAA.

My roof suffered wind damage and the shingle color was discontinued. My roofer said that I would get a new roof based on the damage and the shingles not being available. HOWEVER it turns out there is an exclusion in fine print on my policy excluding obsolete or discontinued shingles. So no roof unless I pay for it! I never saw this and who reads the policy that carefully? Well I learned my lesson. AAA Insurance agents are dishonest and lack integrity by not explaining this in advance. I do not recommend you use them!

It has been over a month since the adjuster came to my home to assess hail damage. I have not heard back yet. I have called and texted several different people. I have still got heard back. This is frustrating.

Please do not get a quote from AAA for homeowners / auto insurance. They sold my info to everyone including the devil. I am getting buried with calls, emails and texts….. all day Sunday and it’s continuing today (Monday). I don’t know how to stop this insanity.

Had bundle coverage with AAA of Missouri for almost 15 years. During spring of 2025 we experienced hail damage to our roof and contacted claims center. After initial explanation of event to AAA their very first response was the question of "Do you know how much your deductible is?" I replied with yes, it's on my policy. I was cut short and told it was over $8,000 which stunned me, not knowing. Policy states $1000, I immediately questioning the reasoning and was quickly given another phone number to call. So, I started explaining the hail storm event, again and I was interrupted by the 2nd AAA claims agent and ask " Do you know how much your deductible is?, she immediately said $8,000.

I’ve never had so many bad experiences in my life with an insurance company. I’ve had all three AAA membership, auto insurance and homeowners insurance. I dropped auto insurance when I sold one of my cars because my rate went sky high for just liability coverage but I still kept homeowners insurance. Now I am having a hard time because when I went to file a claim they tried to act like I never had a membership at all. They said my policy was inactive and they didn’t get my premium which were all not true at all. It’s been two weeks and they tried to deny my claim. I asked to speak to manager. They were absolutely no help whatsoever so I asked to speak to their manager instead. I spoke to the district manager Heather. She wants to review my structural damage when I already fixed that on my own. I am concerned about personal items.

WARNING! Do not purchase Homeowner's Insurance with AAA! Don’t put your family at risk! I purchased AAA Homeowner's Insurance three weeks ago. Today, (June 9, 2025), I received a cancellation letter in the mail stating that my policy was being cancelled as of June 8, 2025. I didn't even receive their cancellation letter until the day after it was cancelled! (As we all know, it is almost impossible to find new insurance if you are currently uninsured.) AAA gave me zero days to find a new insurance company before cancelling my policy! In the cancellation letter, AAA stated the reasons for cancellation as: 1. “Due to restricted dog breed.” Since when is a Great Pyrenees a restricted dog breed? I told them I had a Great Pyrenees when I filled out the online form to receive a quote. I also told the agent that sold me the policy my dog’s breed when she asked me what kind of dog I owned.

Bought a new home for my son and his family May 2024. Been a AAA roadside member since 1997. They offered me a quote and I sent them payment in full. I was contacted and told to send photos of plumbing under the sinks, the electrical panel, ac unit, etc. We were doing a complete remodel inside the house along with a new roof and new ac. I sent agent photos from real estate agent listing but he wanted current photos. I told him in July we were still remodeling. AAA canceled our insurance without an email stating that. I learned today they sent a check to me for a refund that I never received and I have been told it was never cashed. Left voicemail with supervisor Lincoln **. He never called back. I sent two emails asking for a new check. No response to my two emails. Will be terminating my roadside insurance and taking them to small claims unless I hear from them soon. Terrible Customer Service.

AAA home insurance a big SCAM. When you open a claim, they try to find something or other clause to deny your claim that they would not declare at the time of buying the policy … PLEASE STAY AWAY FROM THIS COMPANY.. FRAUDS… We took the policy and were assured that our flooring is 100% covered for the damage and now after 2 years when I saw home floor tiles popping, they are denying to do any coverages and just passing the issue to every other person - the agent, the adjuster, the plumber, their point of escalation Emily **…ufffff…. with no resolutions … VERY DISAPPOINTED … NO PROPER INFORMATION PROVIDED… Would like to give them NEGATIVE REVIEW …. Please stay away and save your time and money … Not trustworthy. No value for word of the mouth. I will also not stay this on put and will use all my legal rights to challenge their decision and get necessary help legally.

Looked into buying cheaper homeowners' insurance and I saw that AAA had a lower rate than my existing carrier. I went through the process and dealt with the most incompetent agent. Phone calls were not returned even when I walked into a AAA office in my area and had an agent contact this person by email and was told they would call me back that afternoon, never happened. I was told I needed to provide two pictures inside my home which I did, when this person I was initially dealing with did not respond, I dealt with a couple of different agents and after several weeks of a horrible experience, I was approved and issued a policy.

We had severe hail storm 2 years ago and I had the worst experience with AAA took me almost 2 years fighting to get my roof replaced but unfortunately, AAA denied my roof replacement. First time they received bad pictures from the inspector that they hired, got denied, I asked for a second inspection and the person found a lot of damage on my roof with golf ball size hail! AAA just sent me a little bit more just to repair a few bad shingles roofing! I was in shock! I had to hired a professional roofing company to come and do a 3rd inspection. Same thing they found a lot of damage but AAA refused to accept! Got denied again. I will never be a customer again. Loyal customers, long term customers do not deserve this! Please be aware of AAA. I’m very disappointed!

Absolutely a nightmare!!!! Can’t have worse experience! Run away from them as far as you can. They completed mishandled my claims for 5 months, nothing has been paid. Not only that, they accused me and attacked me for reporting a claim and they even hired the legal counsel so that they won’t have to pay, the legal counsel is pathetic, asking 500 hundreds questions that are irrelevant…. Do not use them.