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Last updated on Sep 18, 2020

AIG Homeowners Insurance Review

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  • A full suite of services
  • Expansive and personalized coverage
  • Mediocre customer satisfaction ratings
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How We Reviewed AIG Homeowners Insurance

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4 companies compared

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4 features evaluated

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5 ratings analyzed

Homeowners insurance with the American Insurance Group, more commonly known as AIG, is hard to come by. Coverage is limited to a single policy with AIG’s Private Client Group package, and it’s also only available when bundled with another AIG policy.

AIG may be a good option for people looking for a lot of coverage; its policies are designed to protect valuables, with some of the highest coverage limits we’ve seen. There is also the added security of AIG’s own emergency services that will help in times of crisis, with exclusive firefighting service in high-risk areas for wildfires and hurricanes. With that said, AIG does hold low customer service scores, so those added perks may not be worth it if you’re looking for a reliable, accessible provider.

Flexible coverage options
High liability limits
Added member benefits
One home insurance policy
Low customer satisfaction scores

The Homeowners Insurance Factors we Analyzed


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.

Customer experience

AIG scores poorly in customer satisfaction rankings and had a higher-than-average number of complaints reported to the National Association of Insurance Commissioners (NAIC) in 2018. J.D. Power gave the provider a score of just two out of five for 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.


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 policy with AIG. 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 homes older than 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.

Deals, discounts, and add-ons

There are many ways to save with AIG:

  • 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.

AIG Homeowners Insurance Overview: Financial Strength, Availability, and History

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.

  • In business since: 1919
  • S&P Global financial strength rating: A+
  • Moody’s financial strength rating: A2
  • AM Best financial strength rating: A
  • States served: 50 plus Washington, D.C.

The Competition

 AIGAllstateState FarmNationwide

 AM Best Financial Strength RatingJ.D. Power 2019 U.S. Home Insurance Study ScoreJ.D. Power 2019 U.S. Property Claims Satisfaction Study ScoreNAIC Customer Complaints
AIGA2/52/5More complaints than average
AllstateA+3/53/5Fewer complaints than average
State FarmA++4/53/5Fewer complaints than average
NationwideA+2/53/5Fewer complaints than average

All information accurate as of February 10, 2020.

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