AIG Homeowners Insurance

AIG Homeowners Insurance

 4.0/5 (85 reviews)

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Overall Rating4.0 out of 5
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About AIG Homeowners Insurance

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

AIG offers high-end home insurance policies to cover luxury homes. The company specializes in serving those with a high net worth, including several individuals on the Fortune 400 list. It’s a large company with various assets and resources, but its policies are fairly expensive for the average homeowner.

Pros & Cons


  • Cash settlement claims
  • Available nationwide
  • Natural disaster services


  • No online claims
  • Pricier than average coverage

Bottom Line

AIG offers high-end homeowners insurance for luxury homes. The company provides some complimentary natural disaster services, including wildfire coverage. It also has personal property coverage options.

About AIG homeowners insurance

AIG offers a variety of services, including fire protection, hurricane preparation and personal home security, for members with high-value homes. Its wildfire loss mitigation service prevents damage before a wildfire starts with Phos-Chek, the material government agencies use to fight fires. This complimentary service includes an at-home consultation, ongoing monitoring and dispatching of wildfire mitigation specialists in the event of a wildfire.

AIG’s hurricane protection services include disaster planning and post-storm outreach, and its personal home security services provide security consultations and preparation plans to help you evaluate and fight against security risks. The company offers background checks for potential home employees — if you have a large household staff, it can conduct CPR and first-aid training, too. AIG also has prevention services for kidnapping, ransom and extortion.

What does AIG homeowners insurance cover?

Depending on your security needs, AIG’s coverage varies. Its comprehensive homeowners policy is designed for luxury homes, and it provides coverage for landscaping, fragile items and pet damages. In the event of property damage, it offers additional policy provisions to assist in the handling of a claim.

You can settle AIG claims in cash without any obligation to replace lost items or repair damaged property, and you can repair or replace damaged personal property with new items without depreciation deductions.

AIG homeowners insurance quotes and costs

AIG doesn’t disclose its home insurance costs online, but its rates vary depending on:

  • Geographical location
  • The condition of your home
  • Your credit score

Because AIG’s coverage caters to wealthier homeowners, it tends to be more expensive than average home insurance policies.

AIG homeowners insurance FAQ

Where is AIG home insurance available?

AIG home insurance is available nationwide.

Does AIG have personal property coverage?

Yes, AIG does have personal property coverage. You can repair or replace your damaged personal property with new items without deductions for depreciation.

Can I file claims with AIG online?

No. You have to call its customer service line.

What factors will affect my home insurance rates with AIG?

Your credit score, location, natural disaster risk and home condition can all affect your AIG home insurance rates.

Is AIG homeowners insurance good?

AIG is a good insurance company for high-value homeowners, and it offers a wide array of coverage options, including wildfire protection, hurricane preparation and personal home security services. It also provides cash settlements and personal property coverage. AIG can be pricey, though, and probably isn’t the best option for middle-class homeowners. The company also doesn’t offer online claims.

AIG Homeowners Insurance Reviews

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Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: Oct. 16, 2021

DO NOT BUY A HOME NOTHING FROM THESE PEOPLE. My Air-conditioning went out two months after I purchased my home in June. It is October and I have not received a callback. I have called and called these clowns daily to get a technician out. They lied too much and just rude. I guess they will answer my call after Christmas. I will never purchase another home warranty from them in my lifetime. PLEASE DO NOT BUY ANYTHING FROM THESE PEOPLE, YOU WILL BE SORRY.

6 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Nov. 24, 2018

Do not purchase and extended warranty from AIG for any appliance-- or other related insurance services. We have been trying to have a refrigerator fixed since April of 2017. We have been having problems with it since we bought it. There was a mandatory service bulletin that was issued prior to the purchase of the refrigerator that stated the problem, model and serial number of units the problem applied to. Mine was included.

Whirlpool should and could have have fixed this under the manufacturer's warranty. Currently, I have been waiting for over six weeks for repairs. There is no part that will fix it according to the tech that has been repeatedly sent to my house. AIG insists that they keep trying. This is clear avoidance of the terms of the extended warranty agreement-- I am supposed to receive 75% of the purchase price if appliance is not able to be fixed. If AIG keeps extending this for several more months, the amount drops significantly to 45%. STAY AWAY from ANYTHING RELATED to AIG INSURANCE. It is clear to me they just car about their bottom line.

19 people found this review helpful

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    Rated with 1 star
    Verified Reviewer
    Original review: Nov. 14, 2018

    Best Buy subs their extended warranty work to AIG. These people are rude, unhelpful. We purchased an extended warranty through Best Buy Geek Squad and now need repaid. Best Buy turned it over to AIG without our knowledge. Now we cannot get help. Avoid Best Buy extended warranty and AIG and save yourself headaches and pain.

    14 people found this review helpful
    Rated with 4 stars
    Verified Reviewer
    Original review: June 12, 2018

    We work with an independent agent and require fine arts coverage. It is expensive but comprehensive. Not as comprehensive as Chubb and not as expensive as Chubb.

    6 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 28, 2018

    I put a Claim with AIG due to a Roof damage caused by Hurricane Irma. They took forever to send an inspector and adjustor from September 2017 to 3/28/ 2018 and the claim is still not settle because I get no assistance from them regarding the claim. Total loss was $14,000.00 and they want me to accept a check for only $5,981.00. The check was issued to my mortgage and myself so it was not negotiable without the mortgage company's endorsement, lots of red tape. I'm writing this review for other people to be aware of AIG's practices: $5,000.00 deductible and nonrecoverable depreciation in my case another $3,000.00 dollars. I got ripped off by AIG, no insurance to cover any serious damage.

    22 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 18, 2017

    We received a quote from AIG (documented in an email) and agreed to switch companies due to a 10% cost savings over our existing company. A few days after starting, we found out the price was actually $95 higher. The agent had mistakenly given us a discount for also having auto insurance. We agreed to the price increase only because we had already cancelled our previous insurance.

    About one month later, the inspector showed up and we thought everything was OK. A week later, we received a letter (no phone call) stating our insurance was cancelled at the end of the month. This was less than a week away. There was no reason stated and only after repeated calls did I get an explanation. It seems the incompetent inspector didn't know we had a fire department less than 3 miles. I spent the next three days calling AIG and visiting our local fire department to make certain AIG had the documentation they needed. They finally accepted a call from the office manager of the fire department and I thought we were OK again.

    About one month later we received another letter from AIG stating our rate was being increase by 86%. They claimed this was due to our house having almost twice the footage it actually had. Since they refused to call me back or respond to emails about the price increase, we cancelled our policy two days after receiving the letter. I have never dealt with a more incompetent company. In the three months in dealing with them, we also went through three separate agents since they were quitting. Never trust this company with anything! They will simply lie about anything to get your business then try to ** you.

    13 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Nov. 9, 2016

    AIG Insurance refuses to issue payment on a property claim for which they have accepted. However, they are not issuing the payment. Repeated calls and emails to their adjuster Gonzalo **, go unanswered. He does not respond to emails, nor to voicemails. And he never answers his phone nor does the company provide a receptionist to answer calls. Never use AIG.

    18 people found this review helpful
    Rated with 3 stars
    Verified Reviewer
    Original review: Nov. 3, 2015

    I feel that my coverage is satisfactory and would recommend it to anyone. The rate is good, coverage is good, and affordable. They also give you tips on how to keep your home safe.

    2 people found this review helpful
    Rated with 4 stars
    Verified Reviewer
    Original review: Oct. 26, 2015

    Affordable and very friendly and helpful employees. They have always been there from the beginning to answer any questions I have had and they have been very knowledgeable. I'm a very happy customer.

    3 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 7, 2014

    This company sends out endless spam and does not provide a way to stop it. They do not give out an email and when you try to reply to unsubscribe, it is a phony address and never goes through. They have no phone number for stopping spam as well.

    13 people found this review helpful
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    AIG Homeowners Insurance Company Information

    Company Name:
    AIG Homeowners Insurance