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Last updated on May 28, 2020

AAA Homeowners Insurance Review

A well-known provider that offers benefits to current AAA members through local clubs ​
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Well-established business

  • AAA member discounts
  • Requires membership to a local AAA club


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How We Reviewed AAA Homeowners Insurance

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7 companies compared

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4 features evaluated

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5 ratings analyzed

AAA Home Insurance Review

The American Automobile Association (AAA) is a long-standing and well-recognized name in American insurance options. The nonprofit organization has been supporting homeowners for well over a century. This support includes car insurance, home insurance, and life insurance.

AAA insurance is made up of a network of localized clubs. There are over 1,000 AAA clubs across North America. The exact home insurance coverage and discounts available to you vary depending on which club your location falls under. The biggest issue with going through different chapters is that customer experience can also vary from club to club.

According to its website, customers generally need to purchase a separate AAA membership to buy insurance. It offers several discounts, so the cost of membership is often nullified. New customers may not appreciate the need for a membership, but existing members may find it worth consideration.

  • Good option for current AAA members
  • Well-known name in insurance
  • Member benefits
  • Only for AAA members
  • Offerings vary by local clubs
  • Customer ratings vary by location
  • The Home Insurance Factors We Analyzed


    The price of your policy depends on many things. Your home’s age, location, and condition affect the price. Your proximity to fire and police stations, and whether you own a dog can change your rates. There are also personal factors, such as your credit and claims history.

    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. It’s essential to get a personalized quote from your local club to know exactly what AAA can offer you as far as home insurance. You should also request quotes from competitors to make sure you’re getting the best policy for your budget.

    Customer experience

    Not all individual AAA clubs are included in customer satisfaction surveys. There are some exceptions with larger clubs, however. The Auto Club of Southern California, for example, ranks at the bottom three with J.D. Power and falls significantly below the industry average.

    However, the Southern California chapter fares well with NAIC, showing fewer customer complaints than average for 2019. Each club has its own customer ratings, though, so other clubs may not rate the same. The best thing to do is to research your local chapter to determine its customer satisfaction.


    Typically, AAA home insurance coverage meets HO-3 standards. Also known as a “special form” policy, it’s the most common type of home insurance. This covers personal dwellings and property from weather, vandalism, and theft, sudden accidents, and more. It also includes personal liability and medical expense coverage. 

    It can also include personal property, guaranteed rebuilding cost, and guaranteed replacement cost. 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. Again, exact coverage varies between the different clubs. Contact your local AAA chapter to find out exactly what coverage it can offer you, and do a home inventory to find out how much coverage you need. 

    Deals, discounts, and add-ons

    There are many possible discounts from AAA, depending on your local club. The  Auto Club of Southern California website lists several possible discounts. You can save with protective devices, renovations, type of roof, and more. 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. Contacting your local chapter is the best way to know what discounts are available to you.

    AAA Home Insurance Overview: Financial Strength, Availability, and History

    AAA has existed in the U.S. for well over a century. It currently has more than 1,100 locations across North America. It’s most known for roadside assistance and auto insurance. Its home insurance is offered by individual clubs, and so the policies and quality vary by club.

    AAA has a

    • In business since: 1902
    • S&P financial strength rating: Varies by club
    • Moody’s financial strength rating: Varies by club
    • AM Best financial strength rating: Varies by club
    • States served: 50

    The Competition

    AM Best Financial Strength Rating
    J.D. Power 2019 U.S. Home Insurance Study Score
    J.D. Power 2019 U.S. Property Claims Satisfaction Study Score
    NAIC Customer Complaints
    Varies by club
    Varies by club
    Fewer complaints than average
    Fewer complaints than average

    All information accurate as of 05/06/20. *Rating for Auto Club of Southern California.

    How We Evaluated AAA Homeowners Insurance

    Factors evaluated include the providers’ financial strength as indicated by organizations such as AM Best and Standard & Poors, customer service ratings and support, as well as average premiums.

    The Bottom Line

    AAA homeowners insurance is worth consideration for current AAA members. The coverage and discounts may appeal to AAA members, especially if you’re bundling with auto insurance. Those without an AAA membership might want to shop around to compare quotes with companies that don’t require a membership.

    AAA Homeowners Insurance FAQ

    About the Authors

    Lorraine Roberte

    Lorraine Roberte Contributing Writer

    Lorraine Roberte is a South Florida-based personal finance writer. Her work has been published on sites such as Thrive Global, Elephant Journal, Red Tricycle and Tweak Your Biz.