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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.


Homeowners Discounts

  • 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

Multi-Policy Discounts

  • Multi-policy Discount:
    Save up to 25% on your home (and up to 12% on your auto) when you insure both through AAA

Homeowner Benefits

  • 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


Maximized value

Maximized Value

You can save up to 25% on your home and 12% on your auto when you combine policies.



Prompt, personalized service from sales and service representatives.

Financial Stability

Financial Stability

An A.M. Best rating of “A+ Superior” for our affiliate insurer reflects the high level of financial strength behind the insurance we offer.


Homeowner coverage from foundation to roof—and a whole lot more—lets you relax and feel assured your residence is protected.

Pick the protection that fits your needs

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.


AAA Insurance Auto Pay

AAA Insurance Policy Review

Check your auto policy with a complimentary, no-obligation AAA Insurance Policy Review.

AAA Life Insurance

Protection that fits your family

Let us help you tailor a policy to fit your needs with a FREE Life Insurance Needs Analysis

Identity Theft Protection

Identity Theft Protection

Help safeguard your identity: Enroll in ProtectMyID®Essential, free for our members.

Contact Us

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.