AAA Home Insurance Review 2023

Our experts answer readers’ insurance questions and write unbiased product reviews (here’s how we assess insurance products). In some cases, we receive a commission from our partners; however, our opinions are our own.

Although many people think of roadside assistance when they think of AAA Home Insurance, the company offers many benefits to its members, including homeowners insurance, auto and life insurance, banking products, and discounts on travel and shopping for its members.

AAA is available to members 24/7 through its app, but representatives can also be found at 1,000 branch offices across North America. AAA is not licensed to sell homeowners insurance in all states. Depending on where you live, you might be working with Auto Club Insurance Association, MemberSelect Insurance Company, or Auto Club Group Insurance company.

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Types of Homeowners Insurance Plans from AAA

An HO-3 AAA’s homeowners insurance policy covers the house itself but also the following:

• garage and other detached structures around your house
• bodily injury liability
• personal liability
• medical payments
• identity theft
• personal property for covered events

Buying a condo policy from AAA would cover your condo’s unique features (not the building), personal liability, medical payments, identity theft, and personal property under covered events. We recommend looking at your policy documents to clarify what’s covered. For example, you may need special coverage for your home if you live in an area prone to hurricanes, earthquakes, or other similar events.

Something to note about AAA’s condo insurance is it does not cover damage done to the condo by water seepage from the roof like it would with homeowners. This ties back to the fact that it only covers “walls-in.” Your homeowners association maintains your roof. In that event, you would want to refer to the master insurance policy purchased by the HOA.

With AAA Triple Check, you get a comprehensive review to determine the right amount of homeowners insurance coverage without buying anything you don’t need. This check also lets you know which AAA discounts you qualify for and ways to get the most out of a AAA membership.

Additional Coverage Options (Riders)

AAA offers a selection of standard homeowners insurance riders. Of course, the AAA Triple Check makes recommendations. But many experts recommend riders like water backup coverage. You should keep any riders vital to you regardless of AAA’s advice.

The other important coverage option it provides is flood insurance. As the NFIP sets rates, AAA’s flood insurance rates should match rates you’d find with any other homeowners insurance company. So if you’re buying your homeowners insurance with AAA, you can manage both policies in one place.

How Much Does AAA Home Insurance Cost?

Customers can obtain online quotes for homeowners insurance without being AAA members. It also allows members to sign in for a faster quote process. However, interested parties can also call 877-248-5302 to inquire, and membership can be purchased with your homeowners insurance policy.

Like other homeowners insurance companies, AAA Home Insurance‘s rates may be lower once you account for all discounts. It may even make it easier to afford riders you want and regional coverage. Standard AAA discounts include:

• Multiple-product discount for life insurance policyholders
• New or renovated home discount (speak to an agent regarding renovation requirements)
• Home security discount for those with sprinkler systems, burglar or smoke alarms, or deadbolt locks
• 50+ discount for those aged 50 or better

The membership and insurance premiums can vary depending on your local club. For Minneapolis, MN, the costs are as follows:

• Basic Membership – $69/year plus a $10 one-time enrollment fee
• Plus Membership – $112/year plus a $10 one-time enrollment fee
• Premier Membership – $162/year plus a $10 one-time enrollment fee

How to File a Claim

There are three ways to file a claim with AAA for homeowners insurance, through the mail, by phone, or through your online account.

If you’d like to file the claim by mail, be sure to have the adjuster’s name as well as the claim number on the document and mail it to:

The Auto Club Group

Claim Department

PO Box 8001

Royal Oak, MI 48068-9826

To file a claim online, users must be logged into their account: https://login.acg.aaa.com/login.do. Depending on the region and local chapter of AAA (or CAA), customers can also access a toll-free number through the specific chapter’s website.

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Methodology: What Went into Our AAA Home Insurance Review

Business Insider assesses homeowners insurance on accessibility, price, user-friendliness, and more. We look at the company’s website for sample quotes and coverage details. However, we defer to sites like JD Power, TrustPilot, and ConsumerAffairs to see what consumers think.

We use our research on many popular products to see how companies like AAA stack up against competitors. All these things together allow us to get a more objective perspective. That’s why readers trust us.

AAA Homeowners Insurance vs. USAA Homeowners Insurance

AAA and USAA Homeowners Insurance have one thing in common: the companies offer insurance products via a membership. USAA is exclusively available to buyers with military affiliations, while AAA has a broader membership base. AAA attracted its first customers through its roadside service offerings, while USAA was founded by and consistently serves military members, veterans, and their families.

Our research found regardless of claims history, location, etc., USAA is the cheaper option if you qualify. It also offers military-specific benefits, such as extra coverage for uniforms. USAA homeowners insurance is provided through one platform for all 50 states, and in many states, it also offers specialty coverage like flood or hurricane coverage. If USAA cannot provide certain coverages, it partners with local companies to fill the gap.

AAA’s implication that its system eliminates “unnecessary coverage” makes us wary. We’ve seen insurers say this to ensure customers won’t worry about coverage deficiencies. When quoting AAA next to another carrier, we recommend working with a licensed insurance agent who can compare policies and ensure you’re not missing the most critical factors.

AAA Homeowners Insurance vs. Liberty Mutual Homeowners Insurance

Like AAA, Liberty Mutual Homeowners Insurance is highly ranked in JD Power’s Home Insurance Study. It offers home, auto, and other personal insurance products, which can be bundled for discounts. Quoting is available online in many cases, and Liberty Mutual is available in all 50 states. AAA is only available in a limited number of states through its chapters. However, Liberty Mutual hires captive agents and works with broker agents who can quote for multiple insurance companies.

Both companies have online and over-the-phone options for quoting, customer service, and claims. Unfortunately, we were unable to walk through AAA’s system. However, quoting and the online claims filing with Liberty Mutual were straightforward, guiding customers through the steps. AAA is at the top of the list if you buy roadside service. In other areas, we noted Liberty Mutual outperformed AAA.

AAA Homeowners Insurance vs. Hippo Homeowners Insurance

Unlike AAAA, Hippo Homeowners Insurance is an entirely online InsurTech company specializing in preventative home care to lower homeowners insurance premiums. With its Smart Home Tech, Hippo uses smart tech sensors and devices to monitor your home and look for potential problems. The Hippo Home Care is a video checkup and maintenance advice service allowing homeowners to stay updated on their home’s health. Tech-savvy homeowners often appreciate automation and online self-service.

Neither company is licensed in all 50 states, but Hippo seems more likely to expand coverage in the future. One area that Hippo struggles with is its flexibility for customers who may not be as online-savvy as others. While AAA customers can work with phone agents, insurance agents in their area, etc., Hippo strongly encourages customers to manage policies, claims, etc., exclusively online.