AAA Homeowners Insurance Review 2023

AAA home insurance is issued by a variety of companies, depending on where you live.
Sarah Schlichter
By Sarah Schlichter 
Edited by Erica Corbin

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Pros:

  • Multiple insurance products available.

  • AAA membership includes 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.

Bottom line: AAA home insurance is worth considering if you're a member of AAA or interested in becoming one.

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 Tennessee would be insured by the Auto Club 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.

Our star ratings are based on consumer complaint data from the National Association of Insurance Commissioners; financial strength grades from AM Best; coverage and discounts available; and the overall consumer experience. See our criteria for evaluating home insurance companies.

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. Here is a list of our partners, and here’s how we make money.

AAA home insurance star ratings and availability

Because different AAA clubs have different insurance providers, we’ve rated each of them separately. Below are NerdWallet’s star ratings for three of the largest AAA-branded insurance companies.

Company

NerdWallet star rating

States available*

Auto Club Group

4.0

NerdWallet rating 

FL**, GA, IL, IA, MI, MN, NC, SC, TN, WI.

Auto Club of SoCal

3.5

NerdWallet rating 

AL, AR, CA, HI, IL, IN, KS, KY, LA, ME, MS, MO, NH, NM, OH, PA, TX, VA, VT, WV.

CSAA

3.0

NerdWallet rating 

AZ, CA, CO, CT, DE, DC, ID, IN, KS, KY, MD, MT, NV, NJ, NY, OH, OK, OR, PA, SD, UT, VA, WV, WY.

*Companies may not be available in all counties within a given state.

**In Florida, you must buy homeowners insurance as a package with auto insurance.

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.

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:

Type of coverage

What it does

Pays to repair or rebuild the structure of your home.

Covers damage to unattached structures such as a shed or fence.

Pays to repair or replace personal belongings such as furniture or clothing.

Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.

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.

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:

Personal injury. Pays legal expenses and damages if someone sues you for slander, libel or other personal injury issues.

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.)

Ordinance or law. Pays to bring your home up to current building codes after a covered event.

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 deductible by a set amount for each year you don’t file a claim.

Discounts

As with coverage, discounts also vary between AAA-branded insurers. You may be able to save money on your homeowners policy by:

  • Signing up for autopay.

  • Bundling multiple policies.

  • Not having any recent insurance claims on your record.

  • Living in a gated community.

  • Having a new roof.

  • Insuring a home that was recently constructed or renovated.

  • Paying your premium in full, upfront.

  • Protecting your home with devices such as burglar alarms.

  • Being a nonsmoker.

  • Taking steps to prevent wind damage to your home.

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

More than expected for a company of its size.

CSAA

Far more than expected for a company of its size.

Complaint ratios are based on three years’ worth of data from the National Association of Insurance Commissioners.

Consumer experience

Website: Each AAA motor club has its own separate website. Some have lots of information about your insurance options and offer features like online quotes and bill payments. Other clubs have a more basic web presence and require you to speak with an agent to finalize your coverage. Which website you get depends on the ZIP code you enter.

App: The Auto Club 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.

Claims: 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.

Customer service: Check your motor club’s website for phone numbers and other customer service options.

Where AAA stands out

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 falls short

Membership fee. If you aren’t otherwise interested in AAA’s benefits, you’d have to get a great 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.

Is AAA home insurance right for you?

AAA homeowners insurance may be worth considering if you’re already a member of the organization 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.

Other home insurance companies to consider

Not ready to make a decision? You may be interested in these other homeowners insurance companies:

  • Hippo: Digital-first insurance that comes with free smart-home technology in many states.

  • Liberty Mutual: Big national brand with plenty of discount options.

  • Travelers: Coverage and discount options for eco-conscious homeowners.

  • USAA: Homeowners insurance for veterans, active military and their families.

Frequently asked questions

AAA offers homeowners insurance through its network of regional motor clubs.

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.

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.

Methodology

Homeowners insurance 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 2019-2021. 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.

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