AAA Home Insurance Review

A well-known provider that offers benefits to current AAA members through local clubs ​
Fact-checked with HomeInsurance.com ​
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Well-established business
AAA member discounts
Requires membership to a local AAA club

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The American Automobile Association (AAA) is a long-standing and well-recognized name in the American insurance market. AAA home insurance has been supporting homeowners for well over a century. The company offers car insurance, homeowners insurance and life insurance.

AAA insurance is made up of a network with over 1,000 local clubs across North America. The exact AAA home insurance coverage and discounts available to you vary depending on which club your location falls under. Customer service at its multiple clubs may also vary. 

If customers want to purchase AAA homeowners insurance, they will need to purchase a separate membership, but the cost of membership may be offset by the company’s competitive discounts and deals on insurance. If you have been researching AAA home insurance reviews, we cover the primary aspects of the insurer in this evaluation.

AAA Overview

In business since:
1902
J.D. Power Score: J.D. Power scores are based on surveys for customer satisfaction and product quality.
Varies by club
AM Best: AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
Varies by club
States served
50

According to YouGov, AAA is the most popular insurance brand with Baby Boomers and the 6th most famous insurance company in the U.S. AAA has 65% of positive opinions and is described by its customers as accessible, trustworthy, credible and well-organized. 

AAA has operated in the U.S. for well over a century and currently has more than 1,100 locations across North America. The provider is best known for roadside assistance and auto insurance, but individual clubs offer AAA homeowners insurance. Keep in mind that the policies and customer experience may vary by club. The pros and cons may be a helpful reference prior to requesting an AAA home insurance quote.

PROS

  • Good option for current AAA members, since they are already paying the membership fee.
  • Well-known name in insurance
  • According to YouGov, AAA is one of the most popular insurance brands in the United States.
  • Depending on your club and location, membership benefits include roadside assistance, discounts, identity theft protection and vacation planning.

CONS

  • New customers may not want to pay  the one-time membership fee that starts around $40, in addition to $25 for each additional member.
  • Coverage, pricing, offerings and discounts change between locations.
  • Every club also has different financial and customer service ratings.

Pricing
Coverage
Customer Experience
Deals, Discounts, and Add-ons

The price of AAA homeowners insurance policies depends on many factors, such as your home’s age, location and condition. Your proximity to fire and police stations, and whether you own a dog can also affect your rates. Insurers also take into account personal factors, such as your credit score and claims history, when determining the price for your homeowners insurance policy.

It can be helpful in getting a quote to know what homeowners insurance covers. Typically, AAA home insurance coverage meets HO-3 standards, the most common type of home insurance. Also known as a “special form” policy, it covers personal dwellings and property from weather, vandalism, theft, sudden accidents and more. AAA home insurance typically includes personal liability and medical expense coverage. It can also include personal property, guaranteed rebuilding cost, and guaranteed replacement cost. You may want to look for features like green upgrades or service line coverage, which protects you against damage to outside underground service lines such as power, water, or sewer.

Another offering that’s fairly unique to some AAA clubs is home systems protection. It covers breakdowns in heating, air conditioning, and water heaters, which may save you money from having to get a separate home warranty. Again, the exact coverage varies among clubs. You may also want to look into how to estimate your homeowners’ insurance and how to do a home inventory.

Although coverage may vary among clubs, you should receive a detailed summary of your coverage on your policy’s declaration page.

If you’re looking for the best homeowners insurance, you may be interested in customer scores from third party agencies. Not all individual AAA home insurance clubs are included in customer satisfaction surveys. However, some of its larger clubs are. The Auto Club of Southern California, for example, ranks second-to-last in J.D. Power’s 2021 Property Claims Satisfaction Study, significantly below the industry average. The chapter also fares below average on the NAIC’s complaint index, showing three times the industry’s average for 2020.

However, keep in mind that satisfaction with AAA home insurance claims will vary by club. Each AAA homeowners insurance review has its own customer ratings, since the company works as independent clubs. With this in mind, you may want to research your local chapter to determine its customer satisfaction.

Finding the best cheap homeowners insurance may sound like a daunting task. With AAA home insurance, there are many possible discounts and add-ons available, depending on your local club. You can save with protective devices, qualified renovations, age of home, type of roof and bundling with its auto insurance policies. You can also save if you’re claims-free, of retirement age, or a loyal AAA member.

The caveat to these savings is that you’ll be paying for a AAA membership separate from your homeowners insurance premium. You may offset the cost of the membership and possibly save more besides that. It depends on the discounts your local club provides and what you qualify for.

For add-ons, you can get additional coverage such as protection for jewelry, umbrella insurance, floods and living expenses if you lose your house completely.

Like most AAA features, your insurance cost also depends on the individual chapter. Each club has different offerings and discounts, and prices vary by location. You may want to request a personalized quote from your local club so that you know exactly what AAA can offer you as far as home insurance. Additionally, you may want to compare homeowners insurance quotes to make sure you’re getting the best policy for your budget.

Methodology

We evaluated the company based on its customer rating and experience, financial stability, and coverage to determine Reviews.com score and create our AAA Homeowners Insurance Review. To compare this company with home insurance companies across the board, we then compared each Reviews.com score based on the following:

  • Customer Ratings: Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction ratings.
  • Coverage: As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available. 
  • Confidence: It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best’s ratings, which specializes in assessing the financial strength of insurance companies.
  • Customer Experience: The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.

The Competition 

CompanyReviews.com ScoreAM Best Financial Strength RatingJ.D. Power 2020 ScoreNAIC Customer Complaints
AAAN/AVaries by clubVaries by clubVaries by club
State Farm 3.75A++829/1000Fewer complaints than average
Allstate4A+829/1000Fewer complaints than average

*All information accurate as of August, 2021.

AAA vs. State Farm

Customer complaints about AAA vary by club, so we were unable to directly compare its score with State Farm’s home insurance. However, in general, AAA home insurance reviews are positive on YouGov.com – where only 5% of customers reportedly disliked the provider. State Farm also receives fewer complaints than the average insurance company, and is included in our roundup of the best homeowners insurance companies.

As for availability and coverage in the United States, both companies have local agents and cover properties in all 50 states. Although, for AAA homeowner insurance, only members can enjoy its discounts and deals. 

AAA vs. Allstate

Allstate underwrites its homeowners insurance, something that guarantees consistency in coverage and customer service to all its policyholders. Meanwhile, AAA works as a network of clubs that select local partners to offer its homeowners insurance, which means that discounts, policies, and deals might change depending on your property’s location. In terms of coverage around the U.S., both companies serve nationwide. 

AAA provides customized information depending on your zip code, which means that its website experience can be less  intuitive than Allstate’s. Allstate also made it to our list of best homeowners insurance companies.

The Bottom Line 

AAA homeowners insurance is worth considering for current AAA members. The coverage and discounts may appeal to AAA members, especially if you’re bundling with auto insurance. AAA outsources its home insurance policies to other providers that underwrite them, meaning that the offerings and discounts vary by location. 

If you don’t have an AAA membership, you might want to shop around to compare your AAA home insurance quote with companies that don’t require a membership. However, it may be worth your time to take a look at what your local chapter can offer.

AAA Home Insurance FAQ 

About the Authors

Lizzie Nealon

Lizzie Nealon Insurance Editor

Lizzie Nealon is an insurance writer from Charleston, South Carolina. She holds a Bachelor’s degree in political science with minors in Spanish and English from Clemson University. Her articles on auto, home and life insurance have been featured in Bankrate and Reviews.com. In her freetime, you can find her cheering on the Tigers or partially completing New Yorker crosswords.

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