AAA Home Insurance Review: Ratings and Quotes (2025)

You probably know the American Automobile Association for its roadside assistance and travel services. But AAA also offers homeowners insurance through a few of its clubs. Each of these clubs covers a select group of states, so your coverage options and rates depend on your state and the insurer that covers it.

Here’s what you need to know about AAA homeowners insurance.

AAA home insurance at a glance

AAA homeowners insurance is available throughout the U.S., but rather than write policies through a single insurance company, it organizes its markets across several association insurance companies. Whichever AAA insurance is available to you, you can expect all the standard coverages plus some additional options to help you customize your policy. What’s more, you might not need AAA membership to qualify.

Cost of AAA home insurance

The average price of AAA homeowners insurance is $122 per month. The table below breaks down the average annual premiums of AAA and its competitors.

AAA home insurance coverage options

Although AAA home insurance varies by state and club, homeowners insurance typically covers losses due to various perils, including fire, wind, theft, and vandalism. Here are the standard types of coverage you can expect:1

Optional AAA home insurance coverages

Standard homeowners insurance policies exclude specific types of damage. Optional home insurance coverages can protect you against some of those excluded perils. The options available to you through AAA depend on where you live, but they might include the following:

• Service line: Standard policies exclude sewer backup and other problems stemming from underground utility lines. This option covers those damages and losses.

• Home systems protection: Homeowners insurance doesn’t cover faulty central air conditioning units, furnaces, or hot water heaters unless they sustain damage from a covered peril. This coverage option closes that gap.

• Green upgrades: This coverage option protects your investment in equipment and systems that increase your home’s energy efficiency or reduce its carbon footprint.

• Earthquake insurance: Earthquakes are a common exclusion, but you can add the coverage to some homeowners insurance policies.

• Flood insurance: Regular homeowners insurance doesn’t cover floods. But some insurers offer it as an add-on. Otherwise, you can purchase it through the Federal Emergency Management Agency.

• Scheduled property: Homeowners insurance does cover jewelry, art, and other valuables, but coverage is limited. Scheduled property coverage increases the limits.

Availability of AAA home insurance

AAA doesn’t list the states where its homeowners insurance is available. Call your local club’s customer service phone number for details.

How customers feel about AAA home insurance

Other consumers’ experience with an insurance company can help you decide whether it’s the best choice for you.

Consumers rating AAA on Trustpilot give it 1.6 out of 5 stars. Although most reviews are for the auto clubs and auto insurance, customers who reviewed AAA for home insurance are largely dissatisfied.

One claimed that their insurance policy had been dropped because of misinterpreted drone images, for example, and a 40-year customer said their premium had doubled and that they couldn’t get calls through to the company.2

Customers posting negative reviews of CSAA Insurance Exchange, an AAA insurance company, on the Better Business Bureau website were dissatisfied with claims handling. They received less than expected for major damage to their homes. CSAA is not BBB accredited.3

AAA industry ratings

Industry ratings are based on factors like consumer survey results and insurance companies’ financial health. They provide more comprehensive, and sometimes more objective, information about the quality of an insurer’s financial products and services.

In the case of AAA home insurance, ratings vary from one AAA insurer to the next, but the following will give you a general sense of how the companies score.

AAA home insurance discounts

Insurance discounts can lower your home insurance premium significantly, so it’s worth shopping around to find a company with discounts you’re likely to qualify for. AAA insurance discounts might include:4

• Member discount: Some AAA insurers offer discounts to AAA members.

• Disappearing deductible: While not a premium discount, this perk reduces your insurance deductible by $50 each year you remain claim-free, up to program limits.

• Claim-free rewards: These rewards give you cash back if you finish the year without filing a claim.

• Safety equipment: Insurers often discount insurance policies for homes with smoke detectors, anti-burglary devices, and water sensors.

• Storm-proofing: Depending on where you live, you could earn a discount for measures such as storm shutters and roof reinforcements that help protect your home against damage.

• Loyalty: Some home insurers reduce rates for customers who stick with them for a certain number of years.

• Advance quote: Avoiding a last-minute switch to a new insurer can save you money. Consider purchasing new insurance at least a week or two before your old policy expires.

• New home: If you’re purchasing a home or just recently purchased one, your insurance company might offer you a discount on home coverage. The discount is often good on resales as well as new builds.

AAA insurance bundling options

Many insurers offer discounts to customers who have more than one type of policy with the company. With AAA, the bundled policies might include home insurance along with AAA auto insurance or life insurance.

How to file a home insurance claim with AAA

The exact process for filing a home insurance claim with AAA depends on your local club and the company that offers insurance for its members. But the steps should be similar to the following, no matter which company you use:5

1. Document losses. Document your losses with a list of damaged and destroyed property. In addition, take photographs or videos of the damage.

2. Call your insurer. Call the insurance company to file a claim. Alternatively, you could use the company’s website or mobile app if it offers those options. The insurer will send you claim forms to fill out and schedule an adjuster to inspect the damage.

3. Complete forms. Complete the claim forms and return them to the insurer as quickly as possible.

4. Gather receipts. Gather receipts and other documentation showing the value of damaged and destroyed items so you can share them with the adjuster.

5. Repair items. Follow the insurance company’s and adjuster’s instructions for repairing and replacing damaged items.

AAA vs. other insurance companies

Chances are, you have many different insurance companies to choose from. Shopping around to compare home insurance coverages and rates will help you choose the best one for your needs.

AAA vs. State Farm

State Farm is the nation’s largest property and casualty insurance company by far.6 Like AAA, it offers optional coverages and several ways to earn discounts, and its J.D. Power customer satisfaction ratings are very similar as well.7

While it’s important to remember that insurance rates vary widely from one state to another, State Farm’s average national rate is $2,133 per year for $300,000 worth of coverage. That’s cheaper than the national average of $2,246.

AAA vs. Allstate

Allstate is another major insurer, ranking No. 4 in terms of market share.6 It provides a comprehensive range of coverages and discounts, but its J.D. Power customer satisfaction rating is slightly below average.7

Compared to the national average premium, Allstate’s average rate is on the higher end, at $2,401 annually.

AAA home insurance FAQs