Choose AAA home insurance if…
You’re already a member of AAA or you’re interested in some of its 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.
- Widely available across the U.S.
Cons
- A membership fee may be required.
- Some AAA-branded insurance providers have stronger offerings than others.
About AAA home insurance
AAA is a network of regional motor clubs across the U.S. When you buy AAA home insurance, your location will determine which club actually issues your policy.
For example, a homeowner in Los Angeles would get a policy through the Automobile Club of Southern California. Someone in Maryland could 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 your local club’s website. There you can learn more about your insurance options and, in some cases, get an online quote.
You may need to be a AAA member 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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Answer a few questions to see custom quotes and find the right policy for you.Where AAA home insurance stands out
Multiple insurance products available. If you’re looking to bundle your homeowners insurance with an auto, boat or other policy, you can likely do so with AAA.
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 interested in AAA’s other benefits, you’d have to get a good rate on your homeowners insurance to make it worth paying the membership fee.
Inconsistency. AAA home insurance comes from different companies in different regions. That means 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
- 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
- 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 sells homeowners insurance 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
- 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.
What AAA home insurance covers
These types of home insurance coverage generally come standard:
- Dwelling
Dwelling coverage pays to repair or rebuild the structure of your home after a covered event. It also covers attached structures, such as porches.
Typical amount: Enough to rebuild your home.
- Other structures
Other structures coverage pays to repair or rebuild stand-alone structures on your property, such as a fence or shed.
Typical amount: 10% of dwelling coverage.
- Personal property
Personal property coverage pays to repair or replace stolen or damaged belongings. Personal property coverage comes in one of two options: actual cash value or replacement cost.
Typical amount: 50-70% of dwelling coverage.
- Loss of use
Loss of use coverage, sometimes known as additional living expenses coverage, helps pay temporary living expenses while your home is being repaired. This can cover hotel stays, home rentals and meals.
Typical amount: 20% of dwelling coverage.
- Personal liability
Personal liability coverage pays if you injure someone or cause property damage unintentionally or through neglect.
Typical amount: $100,000 to $500,000.
- Medical payments
Medical payments coverage pays to treat someone injured on your property, regardless of who’s at fault. It also pays if you, a family member or a pet injures someone away from your home.
Typical amount: $1,000 to $5,000.
For more details, see What Does Homeowners Insurance Cover?
Optional AAA home insurance coverage
Your homeowners policy will likely 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 replacement cost coverage for your dwelling. Provides a cushion in case rebuilding your house costs more than expected after a disaster.
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. That means if your items are destroyed or stolen, the company’s claim payout will reflect what they were worth at the time. For older items that have lost value, this amount 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 lines linking your home to public utilities.
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 insurers, including AAA, won’t pay for damage from 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.
Buying your policy in advance of the effective date.
Being a AAA member for a certain number of years.
Consumer satisfaction
Complaints: One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. This number varies from one AAA-branded insurer to another.
Here’s how many complaints some of AAA’s biggest providers have drawn over three years:
Company | Number of complaints |
|---|---|
Auto Club Group | Fewer than expected for a company of its size. |
Auto Club of SoCal | Close to the expected number for a company of its size. |
CSAA | Close to the expected number for a company of its size. |
How we determined our complaint scores We analyzed three years' worth of complaint data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums.
Third-party ratings: Auto Club of SoCal and CSAA both scored above average for consumer satisfaction in J.D. Power’s 2024 U.S. Home Insurance Study. Auto Club Group had a below-average score.
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.
Here are some key things to remember when filing a home insurance claim:
Document the damage. Take photos and create an inventory of damaged items. Provide details like labels and model numbers if possible, especially for more expensive items. Once you've documented the damage, you can make temporary repairs if it's safe to do so.
File your claim as soon as possible. This is especially important if the damage was caused by a storm, as it likely means other homes in the area were also affected.
Save your receipts. You may end up spending money on temporary repairs or living expenses before getting a payment from your insurance company. Keep all receipts so you can submit them for reimbursement later.
For more information, 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?
Online tools
Website: Each AAA motor club has its own website. Some have lots of information about your insurance options, plus online quotes and claim filing. Other clubs have a more basic web presence. Which website you get depends on your ZIP code.
Mobile app: 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.
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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 consumer experience, coverage, discounts and financial strength.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 100 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 policies are sold by different insurers in different states, so coverage options and customer satisfaction may vary. 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.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2024 U.S. Home Insurance Study. Accessed Sep 8, 2025.
Star rating 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, claims process and website functionality. 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 or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with 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.
