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By Adam Morgan, Senior Finance Editor

AAA Home Insurance Review

When you hear “AAA”, the first thing that comes to mind is probably roadside assistance. But the nonprofit American Automobile Association also offers home, renters, auto, and life insurance. While all AAA “motor clubs” sell homeowners insurance, they don’t all offer the same coverage options, discounts, or customer service; in fact, some AAA clubs outsource their home insurance policies to other providers. That’s why we didn’t consider AAA in our review of the Best Homeowners Insurance Companies — because your experience will vary wildly based on where you live. But that doesn’t mean AAA isn’t worth looking into, especially if you’re already a AAA member (non-members are eligible for coverage, but members will qualify for more discounts).

The Claim

Since every AAA club is independent, they all make different claims when it comes to home insurance. The largest club, Automobile Club of Southern California, promises “knowledgeable and friendly agents,” unique discounts, and “an A+ Superior rating from A.M. Best Company.” The second largest, Auto Club Group — which offers service in 11 states — claims to provide “more guidance, more dedication, and more commitment” than its competitors.

Is it true?

It depends on where you live. If you qualify for coverage under the two largest AAA clubs — Auto Club of Southern California or the Auto Club Group — AAA home insurance is definitely worth exploring, given their financial strength and history of experience. If you live elsewhere, AAA homeowners insurance might only be attractive if you’re already a AAA member and/or bundle your home and auto insurance, since that’s the only way you’ll qualify for the best savings. Still, some AAA clubs offer really interesting coverage options and discounts, so it’s always worth exploring your options and comparing quotes.

Product Overview

Best for

AAA members

Not for

Non-members or homeowners whose local club doesn’t offer the right coverage

Features

Price
Varies
In business since
1902 (first club)
A.M. Best financial strength rating
Varies per club
Moody's financial strength rating
Varies per club
S&P Global financial strength rating
Varies per club
Standout features
AAA member discounts other features vary per auto club

AAA member discounts

Almost every AAA club offers a discount on home insurance for AAA members, though the exact savings will vary from club to club. If you’re already a AAA member, it’s absolutely worth checking to see if your club offers home insurance, whether they sell their own policies or refer them (you still qualify for a member discount if they refer you), and what their coverage options and discounts are like. If you aren’t a AAA member, the homeowners insurance discount alone isn’t reason enough to join, though there are certainly plenty of unrelated benefits.

Other features vary

Coverage options and discounts can vary wildly from club to club. AAA Carolinas, for instance, offers “certain endorsements on your standard homeowner’s policy that other insurance companies might not recommend,” including replacement cost value, comprehensive perils, refrigerated goods, and sewer backup. Auto Club of Southern California, on the other hand, doesn’t include sewer backup in its standard policies, but does offer green home coverage. See our comprehensive list of AAA clubs below and find out what your local club provides.

Possible drawbacks

Unpredictable customer service

Most AAA clubs are too small for J.D. Power and Consumer Reports to consider in their home insurance customer satisfaction surveys, with a couple exceptions. The largest AAA club — Auto Club of Southern California — ranked second in J.D. Power’s 2018 survey, behind only Amica, scoring a stellar 840 out of 1,000. The second-largest AAA club — Auto Club Group, which serves 11 states — didn’t fare as well with J.D. Power, scoring 800 out of 1,000, well below the home insurance industry average. Meanwhile, Consumer Reports gave Auto Club Group (the only AAA club it rated) the worst score out of the 15 providers it considered.

The Competition

AAA vs. Amica

The case for Amica over AAA is pretty clear: Amica has the highest customer satisfaction scores in the home insurance industry, year after year, along with solid financial strength. The only reason we might recommend AAA over Amica is if you’re already a AAA member, or if your local AAA club offers better coverage options and discounts.

AAA vs. Allstate

With Allstate, you know exactly what you’re getting when it comes to homeowners insurance: lots of discounts, customizable coverage options, plenty of online resources, and decent customer service. With AAA, it’s a bit of a gamble. Your local AAA club might offer you a better price, more coverage options, and better customer service than Allstate — but it also might not. You’ll need to do a little homework and compare for yourself, but other than Auto Club Group and Auto Club of Southern California, you won’t be able to compare your club’s customer service ratings with competitors.

AAA vs. Geico

In some ways, AAA’s home insurance is similar to Geico’s. Since Geico outsources its policies to third-party underwriters, your experience will vary depending on where you live and which partner Geico pairs you with. Similarly, your experience with AAA is all about which club you qualify for coverage with. On the whole, we don’t recommend either company wholeheartedly. But if you’re already a AAA member, or you currently have some other kind of insurance with Geico you can bundle, it’s worth exploring your options.

AAA Homeowners Insurance FAQ

Which AAA club should I buy homeowners insurance from?

You can only purchase home insurance from the AAA club that covers your region. To find out which club you qualify for, visit the AAA website and enter your ZIP code. Here’s a list of every AAA auto club (some states are covered by multiple clubs depending on your county, city, or ZIP code).

AAA Club
Region
AAA Alabama
Alabama
AAA Allied Group
West Virginia, Virginia, Kentucky, Ohio, Indiana, Connecticut, Kansas
AAA Arizona
Arizona
AAA Carolinas
North Carolina, South Carolina
AAA Central Penn
Pennsylvania
AAA Colorado
Colorado
AAA East Central
Pennsylvania, Kentucky, New York, Ohio, West Virginia
AAA Hawaii
Hawaii
AAA Hudson Valley
New York
AAA Merrimack Valley
New Hampshire
AAA Mid-Atlantic
Delaware, Maryland, Washington D.C., Virginia, Pennsylvania, New Jersey
AAA Missouri
Missouri, Arkansas, Louisiana, Mississippi, Kansas, Illinois, Indiana, Texas
AAA Mountain West
Alaska, Montana, Wyoming
AAA New Mexico
New Mexico
AAA North Penn
Pennsylvania
AAA Northampton County
Pennsylvania
AAA Northeast
Rhode Island, Connecticut, Massachusetts, New Jersey, New York
AAA Northern California, Nevada, & Utah
California, Nevada, Utah
AAA Northern New England
Maine, New Hampshire, Vermont
AAA Northway
New York
AAA Oklahoma
Oklahoma
AAA Oregon/ Idaho
Oregon, Idaho
AAA Pioneer Valley
Massachusetts
AAA Reading-Berks
Pennsylvania
AAA Schuylkill County
Pennsylvania
AAA Shelby County
Ohio
AAA South Dakota
South Dakota
AAA South Jersey
New jersey
AAA Southern Pennsylvania
Pennsylvania
AAA Texas
Texas
AAA Tidewater Virginia
Virginia
AAA Washington
Washington, Idaho
AAA Western and Central New York
New York
Akron Auto Club
Ohio
Auto Club Group
Minnesota, Tennessee, Michigan, Illinois, Indiana, Wisconsin, Iowa, Nebraska, North Dakota, Florida, Georgia, Puerto Rico, Virginia
Automobile Club of Southern California
California
Findlay Automobile Club
Ohio
Hoosier Motor Club
Indiana
Ohio Auto Club
Ohio

Does AAA offer flood insurance?

The vast majority of home insurance providers are authorized to sell flood insurance policies through the NFIP (National Flood Insurance Program). If you live in a flood-prone area, ask your AAA agent about adding it to your coverage.

The Bottom Line

If you’re a AAA member, check the coverage options, discounts, and customer service ratings for your auto club’s home insurance. It might be a great addition to your membership benefits, especially if you can bundle it with an auto policy. If you’re not a AAA member, you’re probably better off going with one of our picks for the best homeowners insurance companies, though it never hurts to get a quote from AAA and compare.

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