Aaa car and home insurance reviews
Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details. Show
AM Best rating AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor). A Cost Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$). The bottom lineUpdate: In July 2023, AAA announced it's not renewing bundled policies in Florida that combine home, car, or umbrella coverage. AAA home insurance is a stellar idea if you have an existing AAA membership or auto insurance policy — you’ll receive extra savings on your home insurance rate for either. It’s also a great option for homeowners looking for a slew of policy add-ons and discount opportunities — it offers over 15 of each. Since purchasing a home insurance policy through AAA requires that you have a AAA membership, you’ll also receive a ton of extra perks with your membership, including complimentary roadside assistance, identity theft protection, reimbursement for home locksmith fees, and a ton of discounts at restaurants and stores. But if customer service is top of mind in the insurance company you choose, you might want to look elsewhere. AAA’s largest regional auto club’s earned average and below-average ratings in several of J.D. Power’s 2022 customer satisfaction surveys. Another downside? The company as a whole earned over four times more complaints than similar-sized home insurance companies in 2021, according to the National Association of Insurance Commissioners National Complaint Index. Pros
Cons
Basic coverages offeredAAA homeowners insurance policies include these six standard coverages to protect your home, belongings, and personal liability:
Additional coverages offeredYou can add these additional coverages to your AAA homeowners insurance policy for even more protection:
Keep in mind that coverages will vary depending on the regional AAA auto club and insurance subsidiary you receive a policy through. Ratings methodologyPrice 4.5/5 AAA earns a high score on our thanks to its affordable rates that are on par with the national average and slew of nearly 20 home insurance discounts for everything from being an existing AAA member or auto policy holder to signing up for a qualifying payment plan or paperless policy. Customer experience 2.8/5 AAA’s lowest score is on our . Its three largest regional auto clubs — Auto Club of SoCal, CSAA Insurance Group, and Auto Club Group — earned combined average scores that are below the industry average in J.D. Power’s 2022 claims, overall customer satisfaction, and digital experience studies. It also received over four times the number of complaints than other home insurance companies of its size in 2021, according to the National Association of Insurance Commissioners (NAIC) National Complaint Index. Coverage options 4.9/5 AAA earns a near-perfect score on our thanks to its stellar selection of policy add-ons, including extended replacement cost for your home, replacement cost for your personal belongings, water damage, flood insurance, and more. Financial strength 3.6/5 AAA earns an above-average due to its A rating with AM Best, which proves it’s in a good position financially to pay out claims in the wake of a disaster. AAA wasn’t rated by Standard & Poor’s or Moody’s as of January 2023. How much does AAA home insurance cost?The average cost of home insurance with AAA is $1,879 per year for a policy with $300,000 in dwelling coverage. This is a little more than the national average of $1,754 per year. Here’s the average yearly cost of AAA home insurance for five different levels of dwelling coverage: Dwelling coverage limit Average annual cost $100,000 $794 $200,000 $1,281 $300,000 $1,879 $400,000 $2,350 $500,000 $2,892 Rates are based on our analysis of 2022 sample home insurance quotes from across the country provided by Quadrant Information Services. Actual rates will vary based on location, policy limits, coverages, claims history, and other factors. What discounts does AAA offer?You can save on the cost of AAA home insurance if you qualify for any of these discounts:
Keep in mind that discounts will vary depending on the regional AAA auto club and insurance subsidiary you receive a policy through. AAA membership perks and discountsAAA home insurance requires a AAA membership, which comes with a slew of perks and discounts, including:
Keep in mind that perks and discounts will vary depending on the regional AAA auto club you have a membership with. AAA home insurance state availabilityAAA home insurance is available in all 50 states and Washington, D.C. through one of its regional auto clubs and insurance subsidiaries. Here are the three largest AAA auto clubs or insurance subsidiaries and the states they service:
You’ll be connected to your regional auto club and insurance subsidiary when you visit AAA.com and enter your ZIP code. What to expect with AAA home insurance
AAA home insurance in the news
AAA vs. other home insurance companiesCompare AAA home insurance to other popular insurers in the industry: Collapse table Frequently asked questionsIs AAA home insurance good? AAA home insurance is a good option if you have an existing AAA membership or auto insurance policy — you’ll save on your home insurance rate if you have either. It’s also a good option if you’re looking to take advantage of home insurance discounts to lower your rate even more or want an insurance company that offers lots of coverage add-ons for increased protection. Can I get AAA home insurance in Florida? You can get AAA home insurance in Florida through its regional auto club, Auto Club Group. What does AAA homeowners insurance cover? AAA homeowners insurance covers the structure of your home, other structures not attached to your home on your property, your personal belongings, expenses if you can’t live in your home after a covered loss, your personal liability, and medical payments to others. What is the AAA home insurance phone number? The AAA home insurance phone number will vary depending on your state of residence and whether you’re looking for the claims or sales department. For questions about a new policy or quote, call 877-288-4546. For inquiries about an existing policy, call 800-891-4222. Can I get AAA jewelry insurance? You can get AAA jewelry insurance by adding a scheduled personal property endorsement to your home insurance policy. This lets you increase coverage limits on specific pieces of jewelry on a per-item basis. What will I find on my AAA homeowners insurance declaration page? On your AAA homeowners insurance declaration page, you’ll find your AAA insurance agent’s name and contact information, your policy number and effective period, your policy coverages and limits, discounts you qualify for, how to file a claim, and the deductibles you have to pay depending on the type of claim you file. Can I get AAA mobile home insurance? You can purchase AAA mobile home insurance to protect your manufactured or mobile home from fire, wind, rain, hail, and other covered perils. Does AAA homeowners insurance cover fences? AAA homeowners insurance covers fences on your property through the other structures coverage in your home insurance policy. Author Jennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com. What are the pros and cons of AAA?AAA auto insurance pros and cons. Why is AAA auto insurance so expensive?Common reasons for high car insurance costs include your driving record, age, coverage options, where you live, the car you drive, your credit history or not taking advantage of discounts. The average car insurance premium has also become more expensive as it increased by more than 50% in the past 10 years. What insurance company has the best homeowners insurance?The best home insurance companies in November 2023. What is the1 insurance in America?The largest P&C insurers in the United States. |