If you’re already a member of AAA, getting insurance through them can be a wise decision. In this article, Business Yield examines the average pricing, AAA insurance ratings, and other information to see how the company’s home insurance stacks up against coverage from other suppliers.
AAA Home Insurance Reviews
AAA home insurance is a great option if you currently have an AAA membership; you’ll save more money on your house insurance premium for both. With more than 15 of each, it’s also a fantastic choice for homeowners seeking a ton of insurance add-ons and savings chances.
You will also receive a ton of extra benefits with your membership, such as free roadside assistance, identity theft protection, reimbursement for home locksmith fees, and a ton of discounts at restaurants and retail establishments, since obtaining a home insurance policy through AAA necessitates having a AAA membership.
However, you may want to seek elsewhere if the insurance provider you select places a high priority on customer service. AAA received average and below-average ratings in many customer satisfaction surveys conducted by J.D. Power in 2022.
One more drawback? The National Association of Insurance Commissioners National Complaint Index for 2021 shows that the company received more than four times as many complaints overall as comparable-sized home insurance companies.
Pros
- Reasonably priced premiums with over fifteen home insurance reductions
- More than 20 policy options and extras, such as earthquake and flood insurance
- Numerous more benefits and savings are included with AAA membership.
Cons:
- It takes a AAA membership to get house insurance.
- The local AAA vehicle club through which you obtain insurance will determine the specific coverage, discounts, and claims experience you have.
- lower-than-average customer satisfaction ratings and four times as many NAIC complaints as comparable home insurance providers.
AAA Home Insurance Coverage
The following are the different add-ons that you can add to your homeowners policy to make it more unique:
| Type of Coverage | What it does |
| Dwelling | This coverage pays to repair or rebuild the structure of your home. |
| Other structures | This coverage covers damage to unattached structures such as sheds or fences. |
| Personal property | This coverage pays to repair or replace personal belongings such as furniture or clothing. |
| Loss of use | This coverage pays for hotel stays, restaurant meals, or other expenses if you have to live elsewhere while your home undergoes covered repairs. |
| Personal liability | This coverage covers legal expenses and damages if you’re responsible for injuries to other people or their property. |
| Medical payments | This coverage covers injuries to guests in your home, regardless of fault. |
AAA Home Insurance Cost
Consumers who are not AAA members can get online prices for homeowners insurance. Members can sign in for a quicker quote procedure as well. Interested parties may also acquire membership with your homeowners insurance policy, and inquiries can be made by calling 877-248-5302. AAA Home Insurance’s rates may be lower after all discounts are taken into consideration, similar to those of other home insurance providers. It might even make it simpler to pay for the riders and local coverage you desire.
AAA Home Insurance Discounts
Typical AAA discounts consist of:
- Discount on multiple products for holders of life insurance policies
- Discount on new or remodeled homes (ask an agent about the requirements for renovations)
- Discounts on home security for customers who have deadbolt locks, sprinkler systems, and smoke or burglar alarms
- Discount for those 50 years of age or older
- Discount for newer homes, percentage depending on the age of the home
- Discount for not filing a claim for three or more years
The local club in your area may have different membership and insurance costs. The expenses for Minneapolis, Minnesota, are as follows:
- Basic Membership: $69 annually plus an initial enrollment charge of $10
- Plus Membership: $112 annually plus an initial enrollment charge of $10
- Premier Membership: $162 annually plus an initial enrollment charge of $10
Compare AAA Homeowners Insurance
#1. AAA vs. USAA Homeowners Insurance
One thing unites AAA and USAA Homeowners Insurance: both businesses provide insurance products through membership. Buyers who are affiliated with the military can only join USAA; members of AAA are more widely spread. Although USAA was created by and has always provided services to military personnel, veterans, and their families, AAA gained its initial clientele through its roadside assistance capabilities.
Furthermore, if you qualify, the less expensive choice is USAA. It also provides advantages unique to the military, like additional uniform coverage. All 50 states are covered by USAA homeowners insurance through a single platform, and in many of them, additional coverage such as storm or flood insurance is available. USAA works with regional businesses to bridge any gaps in coverage when it is unable to offer specific coverage.
#2. AAA vs. Liberty Mutual Homeowners Insurance
Liberty Mutual Homeowners Insurance provides personal insurance products, such as house, auto, and other policies, that can be combined to save money. Liberty Mutual is accessible in all 50 states, and quotations may often be found online. Through its chapters, AAA is only accessible in a restricted number of states. Liberty Mutual, on the other hand, uses broker agents who are able to provide quotes for a number of insurance providers as well as captive agents.
For quotes, customer service, and claims, both businesses offer online and phone options. However, quoting and filing claims online with Liberty Mutual were simple processes that led clients through the process.
#3. AAA vs. Hippo Homeowners Insurance
With a focus on preventative house care to reduce homeowners insurance premiums, Hippo Homeowners Insurance is an entirely online InsurTech business. Hippo uses smart home technology, including sensors and gadgets, to keep an eye on your house and detect any possible issues. With the help of the video inspection and maintenance guidance service offered by Hippo Home Care, homeowners can keep track of the condition of their houses. Homeowners who are tech-savvy frequently value automation and online self-service.
Although neither business has a license in every state, Hippo is more likely to do so in the future. Hippo’s adaptability for users who might not be as tech-savvy as others is one place where it falters. Furthermore, although AAA members can engage with local insurance brokers or agents over the phone, Hippo strongly advises members to handle policy, claims, and other matters only online.
AAA Home Insurance Customer Service
The phone number for AAA varies per state. Contact your local branch by calling 1-800-222-4357 or visiting the company’s website. Additionally, you may need to get in touch with a new insurance agent if you decide to move to a different state and want to maintain your policy.
User experience
Every AAA service has a different user experience.
AAA provides quick online quotations. Regretfully, it appears that getting in touch with the business to make a claim will be a little harder. Consumer grievances on review websites like the BBB mention challenges they had submitting a claim to AAA following a car accident.
Furthermore, customer opinions regarding AAA roadside assistance are divided. While some consumers faced lengthy wait times, others said that contacting AAA was simple.
Numerous unfavorable ratings are left for AAA customer service. But in the end, your local AAA office determines how you use the service.
Does AAA write homeowners insurance in Texas?
You need to have active AAA Texas Auto insurance in order to purchase a AAA Texas Home Insurance policy. You can go to the auto quotation after finishing your home quote. When you insure both through AAA Texas, you can save up to 16% on your auto coverage and up to 22% on your house policy.
Is AAA and Progressive the same company?
Progressive and AAA are not the same company. Both businesses are well-known in the automotive sector. Whereas Progressive is better known for its insurance offerings, AAA is more widely recognized for its roadside help and travel savings.
Is AAA writing homeowners insurance in California?
In California, AAA Northern California Insurance Agency (license #0175868) offers insurance products.
Who is AAA’s biggest competitor?
There are several options available besides AAA. Among them are the Allstate Motor Club, Good Sam, and the Better World Club. Additionally, you might be able to access roadside help through your mobile carrier, credit card company, auto insurance, or other providers.
Is AAA a sustainable company?
The company’s unshakable dedication to sustainable growth and deeper position in the insurance market befit its enormous reach, with more than 50 offices nationally.
How do I file a claim with AAA?
The method by which you submit a claim to AAA is contingent upon your local club. To register a claim, call the number that corresponds to your club; otherwise, enter your ZIP code on the AAA website. After being taken to the regional AAA website for your area, you can look for the claims center and learn how to submit a claim there. An agent or office of AAA in your area may also be contacted.
How much is AAA car insurance per month?
For a minimal coverage policy, AAA auto insurance typically costs $57 per month; for full coverage, it costs $213. Remember that these are only national averages and that your actual rate will vary based on a wide range of individual characteristics.
Why is AAA insurance so expensive?
Inflation might affect the insurance industry. Increases in the cost of everyday commodities frequently result in an increase in insurance rates as well. Furthermore, as insurance is a very personalized product, your AAA insurance cost will vary depending on a variety of factors, including your location, the number of eligible discounts, and your past claim history.
How do I cancel AAA insurance?
You can get in touch with a local AAA branch or call customer support at 1-877-387-8378 to cancel your AAA insurance policy.
What is the best AAA coverage?
The best of AAA benefits is yours with a AAA Premier Membership. All of the benefits of being a AAA Plus member are yours, plus much more:
- Free towing for up to 200 miles (one time per year; the remaining three tows are only permitted for 100 miles).
- Up to $1,500 in coverage for auto accidents.
What is the downside of AAA?
AAA membership is required in addition to auto insurance. Although many people think the extra benefits make the membership price worthwhile, others might find it difficult to make the case.
Is USAA a good insurance company?
J.D. Power regularly rates USAA’s customer satisfaction at high levels, but the carrier’s eligibility limitations prevent it from being officially ranked. USAA is the firm with the greatest score in nearly every region of the nation, according to the 2023 J.D. Power U.S. Auto Insurance Study.
Is Progressive Insurance good?
Customers are satisfied with Progressive because of the customer care they receive during the claims process. In addition, the company received a high rating from respondents who were satisfied with the settlement or claim resolution.
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