Review of AAA Homeowners Insurance 2022

AAA was founded in 1902. It is made up of more than 30 regional motor clubs across the U.S. A homeowner in Los Angeles would have a policy through Automobile Club of Southern California. In Tennessee, the Auto Club Group would insure them. Each provider offers different coverage options and discounts.

Although it can seem confusing, you can visit the AAA website to enter your zip code and be directed to the site of your local club. You can find out more about your insurance options, and in some cases get an online quote.

AAA members may be required to purchase homeowners insurance. You should consider the membership fee when comparing prices with other companies.

We have rated each AAA club separately because they offer different insurance providers. Below are NerdWallet star ratings for three large AAA-branded insurance providers.

Our editorial team determines NerdWallet’s ratings. The formula for scoring homeowners insurance takes into consideration policy coverage options and discounts as well as ease of filing a claim. It also considers website transparency, financial strength, and complaint data from National Association of Insurance Commissioners.

It is possible to expect that your homeowners policy will provide the basic coverage mentioned above regardless of what AAA insurer it may be. You will have different options depending on where you live.

Here are some coverage options that you might be able add:

Personal injuries. Covers legal expenses and damages in the event of a lawsuit for slander or any other personal injury.

Additional coverage for valuable items. Offers additional coverage for expensive jewelry and other items.

Equipment failure. Household systems and appliances covered if they have a mechanical problem.

Guaranteed or extended replacement cost coverage for your home. Guaranteed replacement cost coverage pays for the entire restoration of your home. Extended replacement coverage increases your dwelling limit by a specific percentage.

Sustainable building. Uses eco-friendly and/or efficient materials to repair or replace damaged items with more environmentally-friendly alternatives.

Insurance that covers identity fraud. Learn more about identity theft insurance. )

Law or ordinance. Allows you to bring your home in line with current building codes.

Personal property insurance that covers replacement costs. The company will check the value of your belongings at the time they were stolen or destroyed. This might not be sufficient to purchase new replacements. The replacement cost coverage covers the full amount to replace your items.

Service. Pays to repair underground utility lines that connect your home and the street.

Water backup. Covers damage to sump pumps or drains.

Housesharing. Covers damage to your home when you rent it out to others.

You can reduce your deductible. This is done for every year that you do not file a claim.

Discounts can also differ between AAA-branded insurances. Your homeowners policy may allow you to save money by:

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  Sign up for autopay.
  

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  Combining multiple policies.
  

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  No recent insurance claims on your records.
  

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  Living in a gated community.
  

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  Installing a new roof.
  

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  Home insurance for newly constructed or renovated homes.
  

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  You pay your premium upfront.
  

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  Protect your home with burglar alarms.
  

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  A non-smoker.
  

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  Take steps to protect your home from wind damage.
  

We use the number of complaints received by state regulators from each insurance company to measure consumer satisfaction. This number can vary greatly from one AAA-branded insurance company to the next.

This is the list of complaints that AAA’s largest providers have received over a period of three years:

The Complaint Ratios are based upon three years of data from National Association of Insurance Commissioners.

Website: Each AAA motor club maintains its own website. Many websites provide detailed information about your insurance options, as well as features such online bill payments and quotes. Others have a less extensive web presence and will require you to contact an agent to complete your coverage. The ZIP code that you enter will determine which website you receive.

App: The Auto Club app allows you to manage your insurance policies, AAA membership, and other services as long as the club you belong is one that the insurer supports. This includes Automobile Club of Southern California (AAA Texas), AAA Northeast, and other clubs. The AAA Mobile app, which is more general, focuses on member needs like calling roadside assistance or planning trips.

Claims: The type of insurance you have will affect your options when it comes to filing a claim. Online filing is possible with certain providers. You can also track your claim online. For more information, visit the website of your motor club. See how to file a claim for home insurance.

Customer Service: Visit your motor club’s website to find phone numbers and other options for customer service.

AAA members get many benefits. Other perks include roadside assistance and travel discounts.

Wide availability. AAA’s network of motor clubs serves a large area of the country.

Annual membership fee. To make the membership fee worthwhile, you would need to have great homeowners insurance.

Inconsistency. AAA home insurance is offered by different companies in different areas. This means that not all members have the same coverage options, discounts, or access to a mobile application to manage their policy.

AAA homeowners insurance is worth looking into if you are a member or interested in the other benefits. Depending on your location, you may have other options that offer better customer service.

Are you not ready to make a final decision? These other companies offer homeowners insurance:

• Hippo : Digital-first insurance with free smart-home technology for many states.

• Travelers : Discounts and coverage for eco-conscious homeowners

• USAA Homeowners Insurance for Veterans, Active Military Personnel and their Families