AAA Homeowners Insurance Review 2024

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.

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.

Auto Club Group sells homeowners insurance in all or part of the following states: Florida, Georgia, Illinois, Indiana, Iowa, Michigan, Minnesota, North Carolina, South Carolina, Tennessee and Wisconsin. In Florida, homeowners insurance is available only as a package with auto insurance.

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, Virginia, Vermont and West Virginia.

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.

» MORE: The best home insurance companies

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.

» MORE: How much homeowners insurance do you need?

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:

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 claim filing. Other clubs have a more basic web presence. Which website you get depends on your ZIP code.

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.

» MORE: Is AAA membership worth it?

Where AAA home insurance 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 home insurance 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.

» MORE: AAA renters insurance review

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 insurance companies to consider

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

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