AAA policies vary from club to club, so be sure to carefully review the details of potential policies. Don’t hesitate to ask your agent if you have any questions about your coverage and how it works.
In general, AAA home insurance policies will cover:
The definition of your home refers to the physical structure of the home, including floors, walls, roof, windows, and adjoining structures like a porch. Home insurance will pay to repair or rebuild if it is destroyed or damaged by a covered event (also known as peril). The events covered generally include fires, thefts and storms.
Policies will generally also cover isolated structures like sheds, but at a lower percentage than your home’s coverage.
Home insurance policies generally do not cover damage caused by floods or earthquakes. You will need to purchase a separate policy for these events.
Your assets are just as important as the physical structure of your home (and maybe more). AAA home insurance policies cover the repair or replacement of these items if they are destroyed by a covered risk. This coverage is usually a percentage of the coverage you have for the physical structure of your home, so keep that in mind when deciding on coverage limits.
If you have particularly expensive items, such as a collection of valuable coins, you may want to insure them separately. Discuss with your agent the possibility of obtaining a rider on your policy to insure these items at their full value.
When you buy a home insurance policy, you may not realize that it includes another important type of coverage: liability insurance. This coverage helps you cover your legal defense costs if you are sued for property damage or personal injury caused by a member of your household (including pets). It also helps cover the costs of any award or settlement.
However, it does not cover the costs of damage to members of your household, so if your puppy decides to chew on your favorite shoes, it’s up to you to replace them.
Liability coverage often includes medical payments. This feature means that if someone is injured in your home or by a member of your household, they can file a claim directly with your insurance to have their medical bills covered without having to file a claim with their own health insurance.
Depending on the offers in your area, you can also purchase umbrella insurance. This insurance kicks in if you exceed the limits of the liability portion of your home insurance. It extends coverage up to its policy limits and may provide additional coverage that is not in your primary policy. If you have assets to protect, umbrella insurance is worth considering.
Loss of use
If the worst-case scenario happens, you may not be able to stay in your home while it is being repaired or rebuilt. Staying in a short-term rental or hotel is expensive, however. Home insurance will help you pay the bills that exceed your usual living expenses, like hotel and food costs. This coverage is usually a percentage of the coverage you have on the structure of your home.
Like most insurance companies, AAA offers discounts. It includes discounts for:
- Have multiple types of AAA coverage, such as home and auto
- Have a burglar alarm or fire alarm
- Be 50 years of age or older
- Have a fire-resistant roof
- Have been insured with AAA for at least 1 year
- Having recently renovated your home
AAA’s home insurance customer service options vary depending on where you purchased your policy. You usually call the primary number listed on your AAA membership card for general assistance (things like needing to add or remove someone from your policy). You can have a separate number for complaints, and you can usually file complaints 24/7.
Another option for customer service is your agent. They can help you with general questions as well as complaints.
AAA offers significant discounts that can help cover the cost of home insurance. However, you must purchase a subscription to take advantage of these discounts. Memberships start at around $ 50 with 3 levels of membership.
Each membership level offers additional benefits. For example, the Classic subscription offers up to 5 miles of towing. The Plus subscription offers up to 100 miles of towing. Premier membership offers up to 100 towing miles per tow for a maximum of 4 tows or 1 tow for a maximum of 200 miles. You also get discounts on hotels and other perks. So even if membership increases your upfront costs, insurance and other reductions may be worth it.
AAA has a popular mobile application. It includes electronic proof of insurance and your AAA membership card, bill reminders, and the ability to make payments from the app. You can also check local gas prices, find AAA locations near you, find member discounts, and use the TripTik Travel Planner to plan your trips. It is rated 4/5 stars in the Google Play Store and 4.5 / 5 stars in the Apple App Store.
AAA home insurance provides protection for your home and property as well as liability coverage. You also have the advantage of working with an insurance agent. Where AAA sets itself apart is with its membership benefits. The benefits of roadside assistance plus discounts on hotels, theme parks, car rentals and more add up.
The process of purchasing a policy is a bit complicated, as you have to purchase a policy through an agent. The fact that each AAA club is self-managed also makes things a bit more difficult. There are several AAA club websites out there (each region has their own website), so it may take some time to find the right website for your area.
AAA against competitors
Here’s how AAA stacks up against its competition.
AAA is a solid choice for home insurance. It offers discounts and its membership offers several advantages. For the best rates, consider bundling your home and auto coverage. It can be frustrating for some insurance buyers to have to go through an agent, and variations from region to region complicate the process of purchasing insurance. All in all, it is worth considering, especially if you are already a AAA member.
Frequently Asked Questions
Is AAA Good For Home Insurance?
Is AAA Good For Home Insurance?
AAA is a good option for home insurance. It offers the standard coverage you would expect from a home insurance policy as well as the discounts associated with membership in AAA. Coverage will vary slightly from club to club, so be sure to read your policy carefully.
Of course, the best approach to buying insurance is to get quotes from several insurance companies. Compare AAA to other home insurance companies to find the one that’s right for you.
What is the best home insurance?
What is the best home insurance?
The best home insurance is a policy you can afford with the coverage you need. There is no 1 company that is the best. Look at several insurance companies and consider the types of coverage they offer, the amount of coverage you get, deductibles, and how they work. For example, if you want to manage all aspects of your policy online, AAA might not be the best choice.