Choose AAA home insurance if…
You’re already a member of AAA or you’re interested in some of the other membership benefits. But depending on where you live, there may be other options with stronger customer service.
Pros
- Multiple insurance products available.
- AAA membership can include benefits such as roadside assistance and travel discounts.
Cons
- A membership fee may be required.
- Some AAA-branded insurance providers have stronger offerings than others.
- May have to switch insurers if you move states.
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Strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the financial products that work best for you. See our criteria for evaluating homeowners insurance.
More than 270 million rates analyzed by our team of specialists.
More than 50 insurance companies analyzed in all 50 states and Washington D.C. (See our top picks.)
About AAA home insurance
Founded in 1902, AAA comprises more than 30 separate regional motor clubs in the U.S. As such, which AAA club issues your home insurance will depend on your location. For example, a homeowner in Los Angeles would get a policy through the Automobile Club of Southern California, while someone in Virginia would be insured by the CSAA Insurance Group. Each of these providers offers its own coverage options and discounts.
It can be a little confusing, but if you visit the AAA website and put in your ZIP code, the organization will send you to the website of your local club. There you can learn more about your insurance options and, in some cases, get an online quote.
You may need to be a member of AAA to buy its homeowners insurance, so you’ll want to factor the membership fee into the cost of your premiums when comparing quotes with other companies.
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Member benefits. If you sign up for AAA membership, you get more than just insurance. You can also get roadside assistance, travel discounts and other perks.
Wide availability. With its network of motor clubs, AAA serves a broad swath of the country.
Where AAA home insurance falls short
Membership fee. If you aren’t otherwise interested in AAA’s benefits, you’d have to get a good rate on your homeowners insurance to make it worth paying the membership fee.
Inconsistency. Because AAA home insurance comes from different companies in different regions, not all members will have the same coverage options, discounts or access to a mobile app to manage their policy.
AAA home insurance star ratings and availability
Because different AAA clubs have different insurance providers, we’ve rated each of them separately. Below are information and star ratings for three of the largest AAA-branded insurance companies.
Availability may change at any time. Coverage may not be available to all homeowners in a given state.
Auto Club Group
Sells homeowners insurance on behalf of AAA in states like North and South Carolina.- Many coverage options and discounts available.
- AAA membership includes roadside assistance and other benefits.
- Fewer consumer complaints than expected for a company of its size.
- A membership fee may be required.
- May have to switch insurers if you move states.
- Restricts coverage for certain dog breeds.
Auto Club Group sells homeowners insurance in all or part of the following states: Florida, Georgia, Illinois, Indiana, Iowa, Michigan, Minnesota, Nebraska, North Carolina, South Carolina, Tennessee and Wisconsin. In Florida, homeowners insurance is available only as a package with auto insurance.
Auto Club of SoCal
AAA's homeowners insurance provider in Southern California and many other states.- Multiple types of insurance available.
- AAA membership includes access to travel discounts.
- Various ways to save on your policy.
- A membership fee may be required.
- May not be available if you move states.
Auto Club of SoCal operates in all or part of the following states: Alabama, Arkansas, California, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Mississippi, Missouri, New Hampshire, New Mexico, Ohio, Pennsylvania, Texas, Vermont, Virginia and West Virginia.
CSAA
Provides AAA-branded homeowners insurance in Arizona, Colorado and more than a dozen other states.- Includes replacement cost coverage for personal property in standard policies.
- AAA membership comes with various benefits.
- Many types of coverage available.
- A membership fee may be required.
- May not be available if you move states.
CSAA sells AAA-branded homeowners insurance in Washington, D.C., plus all or part of the following states: Arizona, California, Colorado, Connecticut, Delaware, Idaho, Indiana, Kansas, Kentucky, Maryland, Montana, Nevada, New Jersey, New York, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, Utah, Virginia, West Virginia and Wyoming.
NerdWallet’s ratings are determined by our editorial team. The homeowners insurance scoring formula takes into account policy coverage options and discounts, ease of filing a claim, website transparency, the financial strength of the company, complaint data from the National Association of Insurance Commissioners and more.
Standard AAA home insurance coverage
You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:
Dwelling. Pays to repair or rebuild the structure of your home.
Other structures. Covers damage to unattached structures such as sheds or fences.
Personal property. Pays to repair or replace personal belongings such as furniture or clothing.
Loss of use. Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.
Personal liability. Covers legal expenses and damages if you're responsible for injuries to other people or their property.
Medical payments. Covers injuries to guests in your home, regardless of fault.
For more details, see What Does Homeowners Insurance Cover?
Optional AAA home insurance coverage
You can generally expect your homeowners policy to have the basic coverage described above, regardless of which AAA insurer provides it. But beyond that, your choices for additional coverage will vary depending on where you live.
Below is a sampling of coverage options you might be able to add:
Extra coverage for valuable items. Provides additional coverage for jewelry or other expensive items.
Equipment breakdown. Covers household systems or appliances if they experience a mechanical failure.
Extended or guaranteed replacement cost coverage for your dwelling. Provides a cushion in case rebuilding your house is more expensive than expected after a disaster. Extended replacement coverage raises your dwelling limit by a certain percentage, while guaranteed replacement cost coverage will pay whatever it takes to restore your home to the way it was before.
Green building. Pays to use eco-conscious and/or energy-efficient materials for repairs or to replace destroyed items with environmentally friendly equivalents.
Identity fraud. Covers expenses associated with recovering from identity theft. (Learn more about identity theft insurance.)
Replacement cost coverage for personal property. Without this coverage, the insurer may cover your belongings on an “actual cash value” basis. If your items are destroyed or stolen, the company’s claim check will reflect what they were worth at the time, which might not be enough to buy brand-new replacements. Replacement cost coverage pays the full value to buy new versions of your lost things.
Service line. Pays for damage to underground utility lines linking your home to the street.
Water backup. Covers damage if your sump pump fails or a drain backs up.
Homesharing. Pays for damage associated with renting your home out to others.
Diminishing deductible. Reduces your home insurance deductible by a set amount for each year you don’t file a claim.
What’s not covered
Most home insurance companies, including AAA, won’t pay for damage due to floods or earthquakes unless you’ve specifically added this coverage. Typical homeowners policies also won’t cover wear and tear, neglect, infestations or intentional damage.
Discounts
As with coverage, discounts also vary between AAA-branded insurers. You may be able to save money on your homeowners policy by:
Bundling multiple policies.
Not having any recent insurance claims on your record.
Verifying the age of your roof.
Having a hail- or fire-resistant roof.
Insuring a home that was recently renovated.
Protecting your home with devices such as burglar alarms, smoke detectors or smart-home technology.
Being a nonsmoker.
Being a senior or retiree.
Being a recent homebuyer.
Opting for electronic documents.
Switching to AAA from another insurer.
Staying insured by AAA for at least a year.
Consumer complaints
As a measure of consumer satisfaction — or lack thereof — we evaluate how many complaints state regulators receive from customers of each insurance company. This number varies significantly from one AAA-branded insurer to another.
Here’s how many complaints some of AAA’s biggest providers have drawn over a three-year span:
Company | Number of complaints |
|---|---|
Auto Club Group | Fewer than expected for a company of its size. |
Auto Club of SoCal | Fewer than expected for a company of its size. |
CSAA | Close to the expected number for a company of its size. |
Complaint ratios are based on three years’ worth of data from the National Association of Insurance Commissioners.
Digital experience
Each AAA motor club has its own website. Some have lots of information about your insurance options and offer features like online quotes and claim filing. Other clubs have a more basic web presence. Which website you get depends on your ZIP code.
The Auto Club mobile app lets you manage your insurance policies and AAA membership, as long as you belong to a club that the insurer serves. (This includes Automobile Club of Southern California, AAA Texas, AAA Northeast and others.) The more general AAA Mobile app is focused on membership needs such as calling for roadside assistance and planning trips.
How to file a claim with AAA
Your options for filing a claim depend on which insurer you have. You may be able to file a claim online or by phone, and you may also be able to track your claim online with some providers. Check your motor club’s website for specifics. For advice, see how to file a home insurance claim.
How to contact AAA customer service
Check your motor club’s website for phone numbers and other customer service options.
» MORE: Is AAA membership worth it?
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Answer a few questions to see custom quotes and find the right policy for you.Other insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
- See all NerdWallet home insurance reviews
» MORE: AAA renters insurance review
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as financial strength, consumer complaints, coverage, discounts and customer experience.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 50 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Frequently asked questions
Does AAA offer home insurance?
Does AAA offer home insurance?
AAA offers homeowners insurance through its network of regional motor clubs.
What other types of insurance does AAA offer?
What other types of insurance does AAA offer?
You can generally buy auto, renters, life and other types of insurance through your regional AAA club. Learn more about AAA life insurance and AAA auto insurance.
Is AAA home insurance good?
Is AAA home insurance good?
AAA homeowners insurance may or may not be your best option, depending on where you live. AAA’s homeowners policies are sold by different insurers in different states, so things like rates, coverage options and customer satisfaction vary from one company to the next. Your best bet is to shop around with multiple insurers to make sure you’re getting the coverage you need at a price you can afford.
Homeowners insurance star ratings methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full ratings methodology for home insurance.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
