HOMEOWNERS AND RENTERS
Trusted protection from a name you know
Or you can call for a quote
Rest easier with AAA Insurance Coverage
For most of us, our home is more than a source of pride—it’s the largest asset we’ll purchase. AAA offers many coverage types, amounts and deductibles, all with options that you can tailor to your needs. AAA also offers a variety of discounts1 which could put money back in your pocket by lowering your insurance rate.
Age of Dwelling Discount: Save up to 38% depending on the year your home was built
Protective Device Discount: Save up to 11% with one or more approved and properly maintained devices (burglar alarm, fire alarm, smoke detector, deadbolt)
Claims Free Discount: Save up to 6% for maintaining a claims-free policy with AAA
Age 55 and Retired Discount: Save up to 8% when at least one name insured is 55 years of age or older and retired
Save up to 25% on your home (and up to 12% on your auto) when you insure both through AAA
Toll-free Claims Hotline that is open 24 hours a day, seven days a week for efficient claims reporting
Quality Insurance from a name you can trust
Free AAA Policy Review to help you understand your coverage options and available discounts
Guaranteed Replacement Cost Coverage: If your home suffers a total loss, Guaranteed Replacement Cost Coverage (included in your premium) pays 100% of the covered losses to rebuild your home—few companies offer this coverage to homeowners2
Homeowner coverage from foundation to roof—and a whole lot more—lets you relax and feel assured your residence is protected.
This coverage applies to the house itself, as well as any structures attached to the house, such as a garage. Wall-to-wall carpeting, an outdoor antenna and built-in appliances are also covered. Land is not included.
If your home suffers a total loss, Guaranteed Replacement Cost coverage pays 100% of the covered losses to rebuild your home. Few companies offer this coverage to homeowners.2
These are structures which are separated from your house. Examples include a fence, detached garage, tool shed, pool, gazebo, and patio or deck. Again, land is not covered.
Furniture, clothing, stereo equipment, groceries, televisions, sports equipment, and kitchenware are all examples of personal property.
Covers your obligation for injuries to others, along with damage to their property. Coverage includes your legal defense for a covered claim.
Following an accident at your home, this coverage pays for the medical expenses of others, regardless of who is at fault. It does not cover your medical expenses or those of relatives who live with you.
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AAA membership requires the separate payment of annual dues and an admission fee for new members.
1Discounts may apply to select coverages, vary by policy and are conditional.
2Guaranteed Replacement Cost (GRC) coverage is offered for qualifying homes built in 1950 or later. GRC only applies to covered losses and does not provide coverage for earthquake or flood (which may be sold separately). Please review the policy and any endorsement(s) for a full description of coverage, and all terms, exclusions, conditions and limitations.
AAA insurance is a collection of AAA branded products, services and programs available to qualified AAA members. AAA personal lines insurance is provided by Interinsurance Exchange of the Automobile Club. Life Insurance is underwritten and annuities are provided by AAA Life Insurance Company, Livonia, MI. AAA Life is licensed in all states, except NY. The local AAA Motor Club and/or its affiliates act as agents for their affiliate AAA Life.