AAA Home Insurance Review

AAA Home Insurance is a good option if you are a AAA auto policy holder, giving you several opportunities to take down your monthly costs.

J.D. Power Rating
AM Best Rating
Standard & Poor’s
3.3 / 5.0
SimpleScore AAA 3.3
Discounts 3
Coverage Options 3
Customer Satisfaction N/A
Support 4
Accessibility 3

If you live in one of its serviceable states, there are numerous discounts you can use to save money.

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    In this article

      The claim

      AAA claims that if you are an AAA auto policy holder, it’s to your benefit to bundle your home insurance and auto insurance together to save. Plus, if your home is newer or has recently had work done to it, you will save even more money.

      PriceVaries by location and type of home
      Best forCurrent AAA auto policy members
      Not forAnyone who needs only homeowners insurance
      States servedAlaska, Arizona, Northern California, Nevada, Montana, Utah, Wyoming
      Discounts25% multi-policy discount
      5% AAA Member discount10% on an auto policy when bundled with home insurance
      Standout featuresNumerous discounts available to policy holders

      Is it true?

      Yes, this is a standout feature of AAA that is absolutely true. Here are just some of the discounts available to AAA policy holders:

      • 5% for AAA Membership Discount
      • 5% Newly Purchased
      • 4% for roof renovation
      • 10% zero prior claims
      • 25% for companion auto

      Our deep dive

      Here’s what comes with your AAA home insurance policy:

      • Protect your personal property: Should something happen to your home, it’s not just the building itself that is protected. Everything inside is also covered. Whether it’s your furniture or appliances, AAA covers the replacement of any lost items.
      • Protect detached structures: Have a new pool, fence or a detached structure on your property? AAA will protect it.
      • Complete home protection: Should your home be damaged or destroyed, AAA will cover either the repair or reconstruction of it. That’s 100% loss protection.
      • Protect others: If someone is hurt or injured while at your home, AAA will cover their medical payments as well as any other expenses that are a result of the incident.
      • Loss of use: Lose your home and AAA will provide you with somewhere else to live provided what happened is a covered loss.
      • Protect your high-valued property: Have a valuable piece of art or musical instrument at home? AAA provides optional coverage for high-valued personal property.
      • Personal liability: If you are considered at fault for anything that happens, AAA personal liability protects you should anyone seek litigation against you.
      • Jewelry and collectible protection: Protect your watches, fine jewelry or any other pricey collectibles. Note that most policies offered by AAA have a coverage limit per item that you want protected.
      • Flood insurance: You can also add on flood insurance with an extra annual premium.
      • Extra perks: AAA can give you more perks than just insurance. You can also get free travel planning, discounts on sports tickets and discounts on theme parks.

      Cost rundown

      The prices offered by AAA are greatly affected by where you live, the value of your home, what you’re insuring and whether you are a current AAA auto policy holder. These, factored in with the numerous discounts available to all account holders, makes doing a cost rundown tricky. Another thing to consider is that other companies may sell insurance under the AAA banner.

      For these reasons, you will need to contact a local AAA representative for a quote to get an idea of how much you’ll pay for coverage through AAA.

      Read more about the average cost of home insurance.

      Cheaper (or free!) alternatives

      There are some ways to save money on your insurance. Consider these options:

      • Raise your deductible: You can save money on your premiums by raising your deductible, but make sure you can afford the out-of-pocket expense in case anything happens.
      • Ask about discounts: Several providers offer discounts. Ask about what’s available to see if you can save money. If you don’t currently qualify for a discount, see if you can do anything to get it. For example, you could install safety equipment to qualify for a discount you wouldn’t have been able to get before.
      • Get several quotes: AAA might not be the least expensive choice. Get quotes from several providers to see which gives you the best coverage for the best price.

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        The competition

        Here are AAA’s top competitors. Compare their strengths and weaknesses to decide which provider is right for you.

        • Amica Mutual: Amica Mutual has some of the best scores for customer service. J.D. Power has ranked this provider the highest for 18 years.
        • Allstate: Allstate offers a variety of plans for you to choose from to customize your plan to your needs. J.D. Power scored Allstate three out of five.
        • Country Financial: This provider has been in business since 1925, and policyholders get a variety of perks such as roadside assistance, which makes it a competitor to AAA and its road assistance program.
        • Erie Insurance: J.D. Power gave Erie a five out of five score for its customer service. Erie has been in business for over 90 years and has a lot of positive reviews.
        • State Farm: State Farm got a four out of five from J.D. Power. The provider offers several discounts, including the option to bundle services together to save.

        What others are saying

        The Better Business Bureau gives AAA a C-. This is because it has had five complaints filed against it, and AAA failed to even respond to any of those complaints. However, on the flip side, Consumer Affairs has it inching close to four stars out of five. Because AAA home insurance reviews are mixed, you may want to do research and talk to an agent about any concerns you have.



        The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.
        For every review, our editorial team:

        • Identifies five measurable aspects to compare across each brand
        • Determines the rating criteria for each aspect score
        • Averages the five aspect scores to produce a single SimpleScore

        Here’s a breakdown of the five aspect scores and their rating criteria for our reviews on home insurance.

        Why do some brands have different SimpleScores on different pages?

        To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

        However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.


        We looked at the number of discounts each company offers – more discounts mean a higher score.

        Coverage Options

        We awarded higher scores to the companies that offer more coverage options.


        We awarded higher scores to companies with the most channels for customer support.

        Customer Satisfaction

        We leveraged the J.D. Power 2019 Home Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)


        We looked at the level of accessibility of each company – the more resources they have the higher their score

        Lauren Ward

        Contributing Writer

        Lauren Ward is a personal finance writer living in Virginia’s Blue Ridge Mountains with her husband and three children. In her spare time she enjoys board games and gardening.