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Founded in 1919, AIG has been serving customers around the world for more than 100 years. The company provides a variety of different insurance options. AIG homeowners insurance is a single policy option designed to protect high-value homes. Coverage is only available when bundled with another AIG policy.

AIG Home Insurance Overview

In business since
J.D. Power Score
A.M. Best Financial Strength Rating
States served
50 and Washington, D.C.

AIG made headlines during the financial collapse with its 2008 bailout of $85 billion from the U.S. government. Today its debts are repaid, with the government receiving a $22 billion profit in 2012. The company has since rebuilt, and while it stands unaccredited by the Better Business Bureau (BBB), it is a popular provider for insurance in the United States and globally. It has an A financial strength rating from AM Best, which means that the company would be able to pay out claims in case of a major disaster.


  • High coverage limits AIG’s home insurance policies have high liability limits
  • Diverse policy options AIG offers a wide variety of insurance products


  • Middling customer service AIG has below-average customer satisfaction scores in both claims and overall satisfaction
  • Non-customizable AIG only has one homeowners policy available, meaning it lacks customization
  • Forced bundling Homeowners insurance is only available as an add-on with another AIG policy

AIG Highlights

Customer Experience
Deals, discounts, and add-ons

With just one policy for home insurance, AIG may be a little less flexible than other providers when it comes to adjusting your coverage (and therefore pricing) after you receive your initial quote. As with all types of insurance, your homeowners insurance premium depends on your individual situation. Factors like your ZIP code, your home’s structure, and the value of your belongings will determine the total price of your insurance premium. The best way to make sure you get the best pricing for the coverage you need is to get quotes from several companies. You can start by checking our recommendations for best homeowners insurance.

AIG offers one option for homeowners insurance: the Private Client Group package. Its availability is greatly limited, as homeowners insurance is only available as an add-on if you have another AIG policy. The Private Client Group policy covers all the basics, including dwelling, structure, personal property, liability, and medical payments coverage. Deductibles are available up to $100,000, but AIG will waive deductibles of $25,000 or less or if damages are less than $50,000.

There is also guaranteed coverage for rebuilding costs, water backup coverage, lock replacement, and pet damage protection, plus exclusive member perks with benefits like free home consultations on properties built before 1945. In the event of destruction, you have the option of a cash payout in lieu of repair or replacement, allowing you the opportunity to take the settlement and move on.

AIG scores poorly in customer satisfaction rankings although it had a lower-than-average number of complaints reported to the National Association of Insurance Commissioners (NAIC) in 2019. J.D. Power ranked the company fairly low in both claims satisfaction and overall satisfaction.

While its application process includes perks like a complimentary consultation, AIG does not deliver quotes online. The online site and mobile app are well received by customers, but the company is still plagued by slow claims processing, leaving customers in limbo when it matters most.

Some of AIG’s discounts include:

  • Bundle discounts: AIG will discount your premiums if you hold multiple policies with the company, including auto and excess liability.
  • New home discount: If your home is less than 10 years old or was recently renovated, you could be eligible for a new home discount.
  • Secure community discount: You can save on your premium if you live in a guarded or gated community, or if your home is equipped with a perimeter gate, sprinkler system, central station fire alarm, or smart home devices.

Additionally, homeowners in South Carolina, Florida, and Hawaii all enjoy extended replacement with 50% off dwelling and structure damages, while California homeowners enjoy 100% coverage.


We evaluated the company based on its customer rating and experience, financial stability, and coverage. To compare AIG with home insurance companies across the board, we calculate each 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 ScoreAM Best Financial Strength RatingJ.D. Power 2020 Score
NAIC Customer Complaints
AIG4.25A809/1000Fewer complaints than average
State Farm3.75A++829/1000Fewer complaints than average
Allstate4A+829/1000More complaints than average
Nationwide3.75A+808/1000Fewer complaints than average

*All information accurate as of October 15, 2020

AIG vs. State Farm

State Farm is the single largest provider of homeowners insurance policies, holding over 18% of the market share. AIG holds less than 1%, failing to make the top 25 list. The company rates above AIG in several areas. It has a higher financial strength rating from AM Best. It also ranks better than AIG in both property claims satisfaction and overall customer satisfaction in J.D. Power studies. Both companies have fewer than average complaints for their homeowners insurance.

AIG vs. Allstate

Allstate is the second-largest provider of homeowners insurance, with more than 8% of the market share. Its customer service record is hit and miss. While AIG has fewer than average customer complaints, Allstate has more than average. But in terms of claims and overall customer satisfaction, Allstate ranked consistently higher than AIG.

The Bottom Line

AIG isn’t a fit for everyone. Coverage is limited to a single policy, and while coverage is expansive, its preset terms may not work for all homeowners. You must hold another AIG policy to qualify for home insurance, but with both insurance and investment services, there is something for everyone.

AIG is an especially wise choice for homeowners with more expensive items, such as rare or vintage items that hold very high value. With AIG’s Private Client Group, these properties are covered with more comprehensive coverage than most other insurance companies.

AIG Homeowners Insurance FAQ

About the Authors

Lena Borrelli

Lena Borrelli Contributing Writer

Lena Borrelli is a freelance writer for Over the last year, she has covered insurance, finance, and more. She has been featured in TIME with NextAdvisor, Bankrate, The Simple Dollar, MYMOVE, Million Mile Secrets, and more. My favorite article is “How to Invest in Real Estate During COVID?” on

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