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AAA Homeowners Insurance Review

Last modified: Sep 29, 2022

Overall Raiting: 8.2
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Financial Strength: A+
BBB Rating: N/A
Coverages: 3/5
Flexibility: Policy customization available
Discounts: 5/5
Support: Phone
User Ratings: NAIC Satisfactory (few complaints than average)
Availability: Alaska, Arizona, Northern California, Nevada, Montana, Utah, and Wyoming.
Pricing: Vary by localized clubs

Read our detailed AAA Homeowners Insurance review. We have evaluated all aspects of their homeowner’s insurance policy so you can make an informed decision.

When shopping for a homeowners insurance policy, AAA is a name that is often shortlisted by prospects for all the right reasons. Just like any other company, AAA has a set of pros and cons. In our AAA homeowners insurance review we will shed light on all the important aspects to help you with your choice.

About the Company

Launched in 1900 by automobile enthusiasts, AAA (The American Automobile Association) is a reputable and well-established company. The company started with auto insurance and gradually expanded into homeowner insurance, life insurance, and business insurance, as well as other insurance spheres.  

AAA comprises of a network of nearly 1,000 localized clubs across North America, but homeowner insurance is offered to limited states.       

The company is known for its competitive policies and amazing discounts. Although the company provides a wide range of homeowner insurance coverage options, add-ons, and discounts, they vary and depend on the club your location falls under. 

To really benefit from AAA insurance policies, you must first become an AAA member. They have a dedicated AAA insurance phone number for existing members. 

In terms of financial strength, it is on par with other leading industry players. The company has been serving for a century now and continues to grow its customer base, offering excellent customer service. You can learn more about these aspects in our AAA homeowners insurance review below.  

How We Reviewed? 

To create an informative and unbiased review, we thoroughly analyzed the company’s website, including content, site layout, navigation, and ease of use. We compared the AAA insurance rating, customer service, products, coverage, discounts, and customer feedback. 

Our goal was to write a review that gives you detailed information and clarifies AAA homeowners insurance and how they serve their customers from membership to claim filing and processing.

Where Is It Available?

In terms of AAA insurance locations, as of today, the company offers policies in 7 states. They will be expanding over the years. Here are the states served: Alaska, Arizona, Northern California, Nevada, Montana, Utah, and Wyoming.   

AAA Homeowners Insurance Coverage Options

A majority of AAA homeowners insurance reviews highlight the standard coverage options, but we will focus on both standard and add-ons. 

To begin with, the coverage options provided by AAA meet HO-3 standards. Here's an overview of the standard set of coverage options offered by AAA homeowners insurance:

In an event (a covered loss) your home is destroyed or damaged, AAA homeowners insurance policy will provide you with 100% loss protection. This will help you with repair or reconstruction as needed.

This coverage not just protects the structure of the house but also the things inside it. Whether it is your appliances or furniture, AAA homeowners insurance covers the replacement of the lost items.

The coverage is designed to pay the medical expenses of someone who gets injured or hurt on your premises.

 AAA provides coverage for detached structures in case your home is damaged or destroyed, such as your garage, pool, or any other detached structure.

If your home is destroyed or damaged and needs to be reconstructed, you can benefit from the loss of use coverage option. Under this coverage, AAA will provide you with somewhere else to reside. But keep in mind that it applies only to a covered loss.

The personal liability coverage protects you if anyone files a lawsuit against you, claiming that they got injured on your premises.

Now here are some add-on homeowner insurance options:

High-valued property protection coverage is optional. It provides coverage for expensive personal property such as musical instruments or a valuable piece of art that gets damaged when your home is destroyed in a covered loss.

Similarly, this coverage option protects your jewelry, watches, and pricey collectibles. Here, it is essential to note that most items have a coverage limit. Therefore, you must get in touch with their agent for details regarding the threshold. It will give you a good idea of what exactly is covered and to what extent.

Suppose you live in a state that is prone to floods or is in a place that is FEMA (Federal Emergency Management Agency) designated as a high-risk flood area. In that case, it's best to include flood insurance coverage into your homeowners’ insurance policy. This policy can be added by paying an extra annual premium.

AAA Homeowners Insurance Pricing 

An AAA insurance quote is comparatively lower than its contemporaries. Below is a table showcasing the value of home and AAA insurance estimates. Although their rates are comparatively cheaper, it is important to understand that each individual option is likely to influence your premium as a whole.

Value of home AAA Insurance Estimate (Annually)
$75,000 $560
$150,000 $950
$200,000 $1,200
$350,000 $1,850

AAA Homeowners Insurance Discounts

AAA discounts are really effective. With these discounts, policyholders can significantly reduce the cost of home insurance. Below is a list of all the discounts on offer:

Home Alarm and Smoke Detector

If you already have a smoke detector or home alarm, you can get a 15% discount on your policy.

New Property

Depending on the property's age, you can get a discount of 40%. This can help lower the cost of home insurance.  

Claim-Free Discount

You are qualified for a 13% discount if you stay claim-free for 3 years.

Hail-Resistant Roof

You can enjoy a 35% discount on a hail-resistant roof.

Home Renovations

AAA homeowners can enjoy a 23% discount for new home renovations like new pipelines.

Age of Home

Get a discount of nearly 40%, depending on the age of your house. So, the newer your home, the bigger the discounts.

Retirement Discounts

If you're retired and aged above 55 or older, you can enjoy 10% off your policy.

Other discounts include:

Customer Satisfaction and Financial Strength Review

Based on AAA insurance customer reviews, AAA insurance company is well-rated. The National Association of Insurance Commissioners (NAIC) rated AAA home insurance as 0.55. This rating shows that AAA received fewer complaints than the average home insurance company in the U.S.

A couple of factors that customers genuinely love about the AAA home insurance are that they have a smooth claims process and reliable assistance every step of the way. But where people raised concerns are high premiums and difficulty with the insurance policy cancelation process.

When we assess the company in terms of their financial strength, we can say that it is financially sound. This means you can rely on the company for a fast payout on claims. 

AAA homeowners insurance has fantastic ratings from the industry-leading financial agencies such as AM Best, which rated the company as A+ superior.


Platform Rating
AM Best A+
NAIC  Satisfactory (few complaints than average)

Customer Support 

AAA homeowners’ insurance policyholders can contact customer service or may reach out directly to another insurance provider depending on who manages the policy. Some areas also feature dedicated AAA insurance locations where you can speak with an agent to begin a claim.

To buy policies, you can contact AAA via phone at 866-298-1232, Monday - Friday, from 7 a.m. to 9 p.m. On weekends, representatives are available from 8 a.m. to 6 p.m.

For quotes or inquiries, call on their dedicated number for customer service: 800-207-3618. You can reach out to them Monday - Saturday, from 6 a.m. to 7 p.m. 

As mentioned earlier, AAA insurance claims department service is available 24/7, 365 days a year. So, no matter when you need help or file a claim with AAA for homeowners insurance all you have to do is call. 

Ease of Buying and Claims Handling 

AAA insurance claims are handled by their expert team available at your service round the clock. Policyholders can reach out to them via their customer service AAA insurance claims phone number. 

You can call AAA insurance company on their claims phone number 800-922-8228 to start the claims process. 

Their representative will ask you to complete the claim form and submit it. This document should include all the details and documentation thatAAA requests, including police and medical reports. 

Then you will be contacted by an adjuster or inspector for damage evaluation. Their goal is to provide customers with maximum insurance to pay your expenses caused by the covered loss so you can take a fresh start.

When it comes to policy buying with AAA, the process is slightly difficult. This is because you need to first become an AAA auto club member or be a policyholder of their affiliates like MetLife, and Progressive.

In other words, you need to become a member of AAA to enroll in coverage and thus buy car insurance from them as well. The company has divided each regional group as AAA auto clubs. 

Comparison with Competitors 

Now let’s compare AAA with its current competitors to see which is better for you:

In general AAA insurance rates are 40% less than any other insurance company including GEICO. Although both companies are renowned for providing excellent coverage options and discounts, AAA is a better choice. 

But if you're looking for a firm that has a better market standing and customer service GEICO is a good option. GEICO has better financial stability and has a superior rating from JD Power. 

To sum it up, if you want competitive pricing, AAA is a better choice. But if you’re looking for a firm that has a better market standing and customer service GEICO is a good option.

When compared to State Farm, AAA has limited coverage serving only a handful of states while State Farm covers all the U.S. Moreover, AAA insurance has better financial standing. It has an A+ rating from AM Best. 

State Farm offers more options for customers to reach out to them. The drawback here is that the company’s policies are too expensive beyond an average person’s reach. So, if you are tight on budget and want a homeowners insurance policy and also live in the states AAA serves, then we’d recommend you to opt for AAA. 

AAA insurance has limited coverage while Allstate covers all 50 states. Allstate caters to everyone but AAA offers home insurance coverage exclusively to members. 

In terms of financial strength, both companies have an A+ rating from AM Best.  AAA is most certainly a better choice when pricing comes into the equation though. They have competitive rates while Allstate is quite expensive. 

Therefore, those who already have AAA car insurance and are members of their localized clubs should opt for AAA homeowners insurance. Not only will they save on bundle offers but access a variety of coverage options. 


  • Affordable pricing
  • Good financial standing
  • 24x7 claim assistance
  • AAA meets HO-3 standards
  • Homeowners insurance policies sold in limited states
  • Good only for current AAA members
  • Limited customer support only available via phone

In conclusion, we can say that AAA is a trusted, well-renowned company dedicated to providing the best homeowners coverage services to their customers.  The company has affordable pricing and provides many opportunities to save on policy plans. 

They have a strong financial standing so you don’t have to worry about payouts in case you make a claim. 


What does AAA homeowners insurance cover?

AAA homeowners insurance offers a variety of coverage options to policyholders. They vary depending on the AAA localized club your state is located in. The coverage option available in general includes:

Although we have covered every option in our AAA homeowners insurance review, if you still feel you need more information, we’d recommend you to read a couple more articles to help with policy selection. 

Does AAA homeowners insurance cover mold?

Most AAA clubs provide mold coverage. If you're interested in a mold cover, contact their customer service to find out if it is offered in your area.

Does AAA home insurance cover the roof replacement?

Yes, it provides complete property protection to homeowner insurance policyholders. But if you need more information regarding roof replacement or repair service coverage, contact their representative.

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