AAA Homeowners Insurance Reviews

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.

AAA has created a new home insurance renew policy that asks people to do their own inspections and submit photos... How stupid.. I could have walked across the street and took pictures of their home.... STUPID... Let's be honest... AAA didn't want to pay experienced home inspectors to inspect homes... STUPID... NOW AAA will lose millions of customers and their stock price will tank....

I’ve had AAA Home Insurance since 2021, but I recently discovered a major issue when I filed a claim. AAA had incorrectly listed my home—a double/duplex—as a single-family dwelling. This mistake went unnoticed for years, and I can only imagine the devastating consequences if my home had been completely lost in a fire or another disaster.

I wish I would have took time to research AAA home, my claim has been mishandled as well. 5 months and counting I definitely will be canceling, anyone interested in forming a class action, this is so sad and I feel hoodwinked at this point…

WARNING!!!! If you have AAA insurance for your home! I had a plumbing line that had split. I caught it before it did any damage inside my home. We had to spend 4 nights at a hotel since we could not flush toilets or run any water in the house. I did not think to call my AAA home insurance right away, I called a plumber. I even paid a down payment and then the Rotor cleaning co wanted a payment. I finally called AAA and it turns out that they were not willing to reimburse me or pay for the hotel or pay the company that did the work.

AAA HOME INSURANCE COMPANY is a rip off, I will never recommend them. I been with them 16yrs without a claim, now I turn in a claim. On my roof, they our trying not to pay off on fixing it, please check elsewhere for better insurance companies. I even had my 4 cars with them as well, sorry insurance company. They don't honor their claims, that's a fact. God Bless. 🙌

Cancelled my home insurance with AAA. Could not get my agent to cancel or even search for a better rate. When I finally got a different agent to fill out declaration of cancellation, she never sent the paperwork in, it was all signed in Sept, sent in yesterday. 2 agents at AAA that did not do their jobs. If I can list their names, I would, my insurance agents are in the Rhode Island office. I went with Travelers for home and car insurance at a huge savings, I was a over 6 year AAA customer. So, I actually paid 2 home insurance policies because of AAA's incompetence. I wait for my refund now, that should of been issued in September. The worst agents I have ever dealt with, I could do that job, do not need to do anything.

I had Triple AAA auto insurance for 25 years and homeowners for four years. Right before moving onto another insurance carrier, I received my renewal for homeowners. It had significantly increased without having any claims for vehicle and homeowners. So I signed with another insurance company for both types of insurance. A year later I decided to go back to AAA. They ended up quoting me way more than they did during my recent renewal and more than the new insurance company. They are all about trying to maximize their profits. I understand that they are a business and need to make a profit. However, they were overcharging. I would not recommend them for any type of service. They force their roadside assistance on you. You can't buy their auto insurance without their yearly fee for roadside. I had a new car that included roadside. I don't know any other insurance company that does that. SCAMMERS!!!

I had roof and ceiling damage during Helene on 9/26. Adjuster came to the house on 10/2. Three weeks later I am still to get an assessment from AAA. They have promised it to me every week. Latest was that I was going to have it by 10/20 and still nothing. They do not respond to requests on website and agent does not answer emails or phone calls. Absolutely disgusting. Horrible customer service. What is the point of having insurance?

I have insurance and they put wrong address. Now I need a correct address. It is so difficult. I spent hours and hours on phone. No one is know how to fix. I am done with. Please think twice before you sign with AAA.

25 plus years with AAA. Apparently my deductible changed Fall of last year changing from 5,000 deductible for my roof over 15 yrs old to 10,000. Who has a deductible for 10,000. What on earth am I paying for. Five years ago I had a small leak on my ceiling. AAA came out and told me my roof looked great and that I’m responsible for that small leak. Fast-forward five years later and my good looking roof that is 15 yrs old now looks like 30 yrs old. Why didn’t you tell me this 5 yrs ago. Now my damage is more, the roof is more.

If I could give them 0 stars I would!! I had a severe leak that affected all 3 floors. They sent “their” leak detection person here and he stated over and over, "This is odd. I can’t find the leak," and shook his head baffled as he left. He LIED in his report saying it’s the toilet when he detected no water, my plumber and contractor don’t even know and they won’t open the walls to prove it. Joyce ** is their adjuster and is so unethical and a true snake. She just said, "Put it back together," without finding and fixing the problem (because they don’t know the source) and file ANOTHER claim when it happens again!! Joyce ** is known by colleagues to be a huge problem!!

I’ve had both auto and home owner policies with AAA of Southern California for many years with zero claims. My neighbor has a leak in her garage that was repaired by the HOA, zero loss to AAA. They notified me my HO policy would not be renewed as a result of the neighbor's leak. I thought AAA was solid so I was very surprised. I reached out to another company and was offered both policies with better prices.

I attempted to add homeowner's insurance to our current AAA auto policy and membership. I have been an AAA member for over 50 years. After answering the questions on the website, I was told I would receive a call from Brandon **. He did not contact me until I had emailed him several times and when he did, said he would call, but DID NOT. He claimed he had called me and sent quotes but neither was true, and when I finally called him on it, he submitted a quote which was three times more than the online quote. I would never recommend AAA after this experience.

I had a bathroom ceiling leak that was more extensive than initially estimated. My contractor informed claims adjuster Caitlin ** about the severity of the leak, but her manager, Mr. Ken **, refused to listen to him. As a result, I had to vacate my condo, but they refused to compensate me for my lodging. I do not recommend AAA for homeowners' insurance as they have been uncooperative and deceptive.

Have a membership currently and car and business insurance on it. Bought a house, wanted to get insurance, called, gave the woman all my info who was kind of just rude and irritable, not customer friendly at all and never heard back. It's been a month bought the house and got insurance through someone else. Also cancelling my AAA membership

One of the worst homeowner insurance companies to deal with. We had a bad storm that damaged the roof of my mother house, we filed a claim with AAA and it has been nothing but headaches. It was horrible to even get a response back from the adjuster, only to find out that my claim was reassign to another adjust because the previous adjuster no longer worked for the company. I had to go back and forth sooo many times with AAA and the contractors and they were never on the same page. I'm currently 6 months in the claim and our roof still has not been repaired! Do yourself a favor and stay away from this company!!!

Stay AWAY from AAA is my new motto. After having a large tree fall onto my house during a storm I contacted AAA and they sent out an inspector within just a day or so. While waiting on their report I also contacted multiple contractors for estimates. The AAA inspector they sent out showed up in a little smart car and no ladder. Said he would be about 10 minutes. He took 5 minutes and left without a word to me. He did not move any debris to inspect and I was told by AAA that they don't do that. So really how could he inspect without moving stuff out of the way. I contacted AAA and the service agent tells me he didn't find any damage. That she even looked at the photos he took and she didn't see any damage. My God There was a huge tree sticking out of my roof! You don't see that damage?

Beware of AAA insurance. I thought it is a good insurance provider, per my family member's referral, so I went to sign up with them last year. Just got a letter, a year later, stating that the home insurance plan is drop because I have pool behind the house but no fence around it. I have 6' height close fence with my 5 neighbors since moved in 18 years ago. Bunch of sneaky spy. Avoid AAA. Don't let it pick and choose the business.

My roof was hit badly by the storm. All my neighbors replaced their roof because we all had damaged. I filed a claim with AAA for the damage. It took months for an adjuster to come out because they were giving excuses of being busy with all the other claims around town. I waited and an adjuster came out. Quoted my roof with $2000 while my contractor said the roof isn’t repairable. I contacted my adjuster and he never called me back. My emails were ignored. I had to call AAA department directly and was told to wait an adjuster would call me back. Months later, no calls. So I called AAA again. I was assigned a new adjuster that asked me questions of back to square 1. Telling me to send documents over then ignore me again. I had to call AAA again and was assigned a new adjuster. Then the new one asked me same questions from all the previous adjusters then ignores me again.

Fell off roof of homeowner with AAA homeowner insurance. They claim their company is not responsible or liable & refuse paying claim of loss of wages or hospital bills resulting from fall. Never use this company!

My family and I have been enduring in our dealings with AAA. On August 12, 2023, an incident occurred that has left us grappling with not only the damages to our property but also the lack of support from our Claims Agent over the past three months. The gravity of our situation is exacerbated by the presence of young children and a stroke victim in our household. Regrettably, for months, we have been unable to use essential household appliances, including our washer, dryer, water heater, furnace, water filtration system, and various other basement-based appliances.

AAA is horrible insurance company, after about 20 years of being their customer without any claim, they just cancelled my insurance because my roof is not updated. DO NOT DEAL WITH THEM, THEY DON'T CARE ABOUT CUSTOMERS, JUST WANT YOUR MONEY!!!

You can see many other similar reviews. I had filed a hail damage claim last year where multiple roofing companies agreed that the damage was there, and I personally saw the damage as well. I started to get leaking into my house in multiple locations after a couple of hail storms. They tried to give me some money for the leak spot (1.5k, under my deductible) but denied the roof.

On Sept. 8 2023 I received a notice of poor or unrepaired damage to the roof of my home. I immediately went to investigate and found nothing wrong. After submitting pictures of proof they cancelled us.

As a long time AAA Southern Cal. (AAA SC) member and a home insurance policy owner of AAA SC that never have a claim, just experienced the worst experience as member and home owner. Early this month I notified AAA SC the moment I discovered drywall water damage caused by a in wall leaky shower cartilage. After sending out a plumber a day later, AAA SC declined my claim for the reason that it was not "sudden and accidental" without providing a quantifiable matrix/definition. After I escalated my dispute with field agent's manager, there was virtually no response up to this moment. I chose AAA SC policy due to its comprehensive coverage despite that the fact that its premium is only in par with other national leading insurers after so-called my long time member's discount. Its coverage is meaningless if AAA SC doesn't honor claim. I cancelled both my membership and policy with them today. Stay away.

When I submitted necessary information through insurance agent for home coverage, my application was approved. After couple of weeks they sent inspector to my house without my awareness and consent, that may be ok. When the inspector made inspection he reported vent of the roof as the roof as defect, roof requires for repairing. I contacted The customer service and explained this is vent not defect. I have been told from underwriter my home coverage will terminate if I don't repair it, later on I got a letter the coverage will terminate in in one month. I hired local contractor to check the roof and there was no defect. I sent the pictures of the roof many times. They keep on asking me to repair. I complained and sent email indicating I will be filing the case to court, after that The insurance was reinstated.

I have had the worst experience with Triple AAA homeowners insurance. Had wind and hail damage to my roof and they sent out a adjuster which had a attitude then sent out engineer and still refused to pay for damage so about a little over a month ago we had a bad wind storm. It did more damage so had to file a 2nd claim. They sent out another adjuster. He said it wasn't repairable. It needs a new roof. Triple AAA says they're not going to pay anything. I been a Triple AAA member over 3 years. I will never recommend them to anybody. You pay and pay. For what? Nothing. So they say I got to have it fixed. I totally think they are in the wrong.

We have been homeowners for 46 years, and this is the first time we filed a claim. We had a burst sewer line, basement flooded, a lot of damage. Insurance only covered a small part. We were left with a bill of $9,000, and that's NOT including the $2500 deductible. The insurance agent was not very helpful or sympathetic. We are in our 70's, living on social security, this is really a hardship on us. Their car insurance is much better, but the homeowners department is terrible! I will definitely look into going with a different company going forward.

I filed a water damage claim. AAA sent over a company that took a piece out of my hardwood floors to test for asbestos. My AAA agent did this before we knew if AAA was covering the hardwood floors. Turns out AAA was not covering my hardwood floors, and my AAA agent, Tracy, in Texas, denied having sent someone and implied that I created the damage to my floors! Luckily, the company had sent me the report, which clearly stated AAA requested the service they conducted. No apology, zero accountability for lying and trying to rip me off. I had to hire a public adjuster to help me deal with these crooks. We filed a complaint with the insurance commissioner as well. Even after trying to commit fraud, they’re still nickel and diming me. We’ve been customers for over 30 years, and AAA has had zero regard for our loyalty. I will definitely be shopping for a new homeowners insurance company.

HORRIBLE INSURANCE COMPANY!!!! I had wind and hail damage from a storm in June 2022. AAA did not pay for the gutter damage from the storm even though I have photos of the damage. I paid for my homeowner's insurance for years. When you have a true claim they do not cover you. DO NOT BUY INSURANCE FROM THIS COMPANY! THEY TAKE YOUR MONEY AND SCREW YOU IF YOU HAVE A CLAIM!!!

When I first signed up around February 2023 I was mislead to believe that I was Gouna get reimbursed for the items that were in my vehicle and because I didn't have a receipt for my expenses that was also stolen. When my vehicle got stolen they denied my claim which was so wrong. I had even talked to other agencies and they all told me the same thing such as Allstate, State Farm and others and my thing was if my insurance claim was 2500 with a 500 dollars deductible why couldn't they give me the 2000 dollars.

The local insurance company that handled my AAA insurance was notified that I had a divorce. Many many times that I spoke with them over the next year and more I repeatedly had them say I had no account and then after giving my address they said "oh here it is under your wife's name." Each time this made me very angry and I requested that they make a change to my name. My insurance rates had gone up repeatedly and even though I had reason to see if my home qualifies for repairs, no repairs were approved and no repairs were done. But my rates went up 5000.00 more than the normal rate anyway. So eventually these issues forced me to cancel them after using them for over a decade of loyalty.