AAA Home Insurance Review
How We Reviewed AAA Homeowners Insurance
3 Competitors considered
39 Clubs listed
5 Ratings reviewed
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).
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.
Non-members or homeowners whose local club doesn’t offer the right coverage
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.
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.
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).
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.