As someone who’s researched insurance options extensively, I know AAA is primarily known for its roadside assistance and auto insurance. But many homeowners wonder if they can also protect their homes through this trusted organization.
I’ve discovered that AAA does indeed offer home insurance through its network of regional clubs and insurance partners. While coverage options vary by location, AAA home insurance typically provides protection for your dwelling, personal property and liability – much like other major insurance providers. It’s worth noting that AAA members often enjoy special discounts and benefits when bundling their auto and home insurance policies together.
Key Takeaways
AAA offers comprehensive home insurance through its network of regional clubs and insurance partners, with coverage available in 37 regional clubs across North America
Three main policy types are available: HO-3 for single-family homes, HO-4 for renters, and HO-6 for condo owners, each providing different levels of protection
AAA members can enjoy exclusive discounts of up to 25% on premiums, including multi-policy bundles, claims-free discounts, and home safety discounts
To qualify for AAA home insurance, customers must maintain an active AAA membership (starting at $59 annually) and meet specific property requirements
Quotes can be obtained through three methods: online system, phone consultation (1-866-222-7871), or visiting a local AAA office
Understanding AAA’s Home Insurance Coverage
AAA offers comprehensive home insurance policies through regional clubs and partner insurance companies. The coverage options protect homeowners against various risks with customizable limits.
Types of Home Insurance Policies Available
AAA provides three primary home insurance policy types:
- HO-3 policies for single-family homes covering all perils except those specifically excluded
- HO-4 policies for renters protecting personal belongings inside rental properties
- HO-6 policies for condo owners covering personal property and interior structures
- Dwelling coverage: Protects the main structure up to the policy limit
- Personal property: Covers belongings at 50-70% of dwelling coverage
- Liability protection: Starts at $100,000 with options up to $500,000
- Additional living expenses: Pays for temporary housing when homes become uninhabitable
- Medical payments: Covers injuries to guests with limits from $1,000 to $5,000
| Coverage Type | Standard Limits | Maximum Available |
|---|---|---|
| Dwelling | Property value | Market value |
| Personal Property | 50-70% of dwelling | 100% of dwelling |
| Liability | $100,000 | $500,000 |
| Medical Payments | $1,000 | $5,000 |
Benefits of AAA Home Insurance
AAA home insurance offers exclusive advantages that extend beyond standard coverage options. The membership-based structure provides access to multiple cost-saving opportunities.
Member Discounts and Savings
AAA members receive automatic discounts of up to 25% on their home insurance premiums. Notable savings include:
- Multi-policy discounts for combining two or more insurance products
- Claims-free discounts after maintaining 3+ years without filing a claim
- Home safety discounts for installing security systems alarm systems smoke detectors
- New home discounts for properties less than 5 years old
- Loyalty rewards for long-term AAA members reaching 5 10 15 years
- Auto + Home: Average savings of 15-20% on both policies
- Home + Life: Premium reductions of up to 10% on each policy
- Home + Auto + Umbrella: Combined savings reaching 25-30%
- Multiple property discounts for insuring primary secondary vacation homes
- Additional vehicle coverage discounts when adding RVs boats motorcycles
| Bundle Type | Average Savings |
|---|---|
| Auto + Home | 15-20% |
| Home + Life | Up to 10% |
| Triple Bundle | 25-30% |
| Multiple Properties | 12-15% |
Eligibility Requirements for AAA Home Insurance
AAA home insurance eligibility follows specific criteria for both membership status and property conditions. Understanding these requirements ensures a smooth application process for coverage.
Membership Requirements
AAA home insurance requires an active AAA membership in the local club’s service area. Basic membership starts at $59 annually, while Plus or Premier memberships cost $89-129. Members must maintain their membership status to keep their insurance policy active throughout the coverage period. Current members receive priority service for claims processing and exclusive access to additional policy discounts.
- Roof age less than 20 years old with no visible damage
- Updated electrical systems installed after 1950
- Functioning smoke detectors on each floor
- No visible foundation cracks or structural issues
- Property located outside high-risk flood zones (Zones A V)
- Security systems for properties valued over $500,000
- No business activities occupying more than 25% of the home
- Maximum dwelling coverage limit of $1.5 million
| Property Type | Age Limit | Minimum Requirements |
|---|---|---|
| Single-Family | 75 years | Updated systems within 30 years |
| Condo | 100 years | HOA maintenance certification |
| Mobile Home | 20 years | Permanent foundation |
| Multi-Family | 50 years | Maximum 4 units |
How to Get a AAA Home Insurance Quote
I can get a AAA home insurance quote through three convenient methods:
- Online Quote System
- Visit AAA.com/insurance
- Select “”Home Insurance”” from the menu
- Enter property details including address zip code
- Provide personal information name contact details
- Receive instant preliminary quote
- Phone Consultation
- Call 1-866-222-7871
- Speak with a licensed AAA insurance agent
- Answer questions about property specifications
- Get detailed coverage explanations
- Receive quote via email
- Local AAA Office
- Find nearby branch using AAA’s office locator
- Schedule in-person appointment
- Bring property documentation deed mortgage papers
- Meet with insurance specialist
- Get personalized coverage recommendations
| Documentation Type | Details Needed |
|---|---|
| Property Details | Square footage year built construction type |
| Safety Features | Alarm systems smoke detectors sprinklers |
| Claims History | Past 5 years of claims |
| Personal Info | SSN DOB contact information |
| Current Coverage | Existing policy details if applicable |
The quote process takes 10-15 minutes online 15-20 minutes by phone 30-45 minutes in person. AAA members receive immediate access to member-exclusive rates during the quote process.
AAA’s home insurance operates through 37 regional clubs across North America, with coverage varying by location. Here’s a detailed breakdown of AAA’s home insurance availability:
Primary Service Regions
- Northeast: Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island, Vermont
- Mid-Atlantic: Delaware, Maryland, Pennsylvania, Virginia, Washington D.C.
- Southeast: Florida, Georgia, North Carolina, South Carolina, Tennessee
- Midwest: Illinois, Indiana, Iowa, Michigan, Minnesota, Nebraska, Ohio, Wisconsin
- Southwest: Arizona, New Mexico, Oklahoma, Texas
- West: California, Colorado, Idaho, Montana, Nevada, Oregon, Washington, Wyoming
Coverage Restrictions
Each regional club maintains specific coverage limitations:
- California excludes earthquake coverage
- Florida limits hurricane protection
- Texas implements separate wind deductibles
- Coastal regions require additional flood insurance
| Region | Number of Clubs | States Covered | Membership Required |
|---|---|---|---|
| Northeast | 8 | 8 | Yes |
| Mid-Atlantic | 5 | 5 | Yes |
| Southeast | 5 | 5 | Yes |
| Midwest | 8 | 8 | Yes |
| Southwest | 4 | 4 | Yes |
| West | 7 | 8 | Yes |
Regional Club Operations
Each AAA club operates independently with:
- Unique policy offerings
- Local coverage options
- Region-specific pricing
- Customized member benefits
- Partner insurance companies
Service Areas and State Availability
AAA home insurance stands as a reliable choice for homeowners seeking comprehensive coverage backed by a trusted name. I’ve found that the combination of customizable policies exclusive member discounts and flexible bundling options makes AAA an attractive option for protecting your home.
Whether you’re a current AAA member or considering joining the exclusive benefits and potential savings are worth exploring. I recommend reaching out to your local AAA office to discover specific coverage options and rates available in your area. With multiple ways to get a quote and a strong regional presence AAA makes securing home insurance a straightforward process.