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
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.
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 average 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 ratings indicate a positive history of being able to pay out claims. We measured this using AM Best ratings.
- 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
| Company | Reviews.com Score | AM Best Financial Strength Rating | J.D. Power 2020 Score | NAIC Customer Complaints |
| AAA | N/A | Varies by club | Varies by club | Varies by club |
| State Farm | 3.75 | A++ | 829/1000 | Fewer complaints than average |
| Allstate | 4 | A+ | 829/1000 | Fewer 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 may offer 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 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.
