Updated: October 21, 2025
Advertising & Editorial Disclosure
Average Annual Premium
Number of Endorsements
Number of Discounts
AAA ranks fourth nationally for affordability with $250,000 in dwelling coverage costing $1,623 annually.
AAA's customer service scores 3.80 out of 5, ranking 11th nationally among providers.
Homeowners with AAA have four additional coverage options: umbrella, earthquake, flood and scheduled personal property protection.
AAA places fifth among 14 national providers in MoneyGeek’s study of the best home insurance providers, reflecting a combination of affordability, customer service and coverage factors.
Review the following table for AAA's scores out of 5 in each category and corresponding national rankings using our sample homeowner profile.
| Overall | 4.55 | 5 |
| Affordability | 4.89 | 4 |
| Customer Experience | 3.80 | 11 |
| Coverage | 4.80 | 2 |
*Scores are based on a 2,500-square-foot home, $250,000 dwelling coverage and a $1,000 deductible.
AAA charges $454 monthly or $5,445 annually for $250,000 in dwelling coverage based on our sample profile. Rates increase substantially with higher coverage limits, reaching $1,088 monthly or $13,060 annually for $1 million in dwelling coverage.
The average annual cost of home insurance depends on factors including location, credit score and claims history. In order to find cheap homeowners insurance that suits your needs, explore AAA’s home insurance costs by coverage limits and deductible below.
| $100K Dwelling / $50K Personal Property / $100K Liability | $76 | $915 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $135 | $1,623 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $246 | $2,956 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $371 | $4,448 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $517 | $6,200 |
Where you live is another factor that insurance providers take into account when setting your premiums due to varying weather risks, construction costs and state regulations. For example, AAA costs $1,622 in Missouri, but can change in other states where AAA is available.
Take a look at how much AAA charges for $250,000 in dwelling coverage based on your state below.
| Missouri | $135 | $1,623 |
Note: Data above is for states in which MoneyGeek was able to collect data. It is not reflective of the company's availability in the state.
To help homeowners save on premiums, AAA offers more than 17 discounts, with availability varying by state. While the table below showcases discounts AAA has available, make sure to ask your agent what you qualify for within your state.
Claims-Free | Save up to 22% on homeowners policies or up to 33% on renters/condo policies after 5 consecutive years without claims |
Protective Device | Save up to 9% on homeowners policies or up to 15% on condo policies with approved burglar or fire alarms |
Mature Homeowner | Save up to 12% when at least one insured is 50 or older for homeowners policies |
Mature Policyholder | Save up to 10% when at least one insured is 55 or older for renters or condo policies only |
Age of Home | Save up to 37% on homeowners policies based on your home's construction year |
New Home | Save up to 54% on recently built homes |
Renovated Home | Save up to 21% if your home has been re-piped or received epoxy treatment |
Roof Type | Save up to 13.5% with select fire-resistant roofing materials |
Hail-Resistive Roof | Save up to 22% based on your location and roof's impact resistance rating |
Loyalty | Save up to 10% after continuous insurance with AAA for at least one year on homeowners policies |
Longevity | Save 10% after continuous insurance with AAA for at least one year on renters policies only |
Replumbing | Save up to 2% with installation of new water lines and plumbing fixtures |
Rewiring | Save up to 2% with electrical system renovations including new breaker boxes and wiring |
Bars Over Windows | Save up to 1% on homeowners policies with window security bars |
Burglar Alarm | Save up to 1% on homeowners policies with burglar alarm systems |
Fire Prevention Points | Save up to 2% with approved fire protection devices like sprinkler systems or smoke detectors |
AAA's homeowners insurance includes six standard coverages, all meant to protect you financially in case your home is damaged due to an unexpected event.
After covered perils like fire or wind damage, dwelling coverage pays to rebuild or repair the structure of your house. The foundation, walls, roof and built-in appliances of your home are included in this coverage.
Detached garages, sheds, fences, and gazebos on your property are covered under other structures coverage. When damaged by covered events, pathways, driveways, and swimming pools are also covered.
Furniture, clothes, gadgets, and other items that are stolen or destroyed are covered by personal property insurance. Items that are temporarily away from home, like possessions in your car or college residence halls, are usually covered.
Legal fees and damages are covered by personal liability insurance in the event that you are sued for harm or property damage. Both accidents you create outside of your house and occurrences that occur there are covered by this protection.
Regardless of who is at fault, medical payments coverage covers minor injuries visitors may experience while on your property. Up to your policy maximum, ambulance rides, X-rays, and ER visits are covered.
While your house is undergoing covered repairs, loss of use coverage pays for meals at restaurants and hotel stays. Additionally, the coverage covers laundry services, storage unit rents, and other living expenses that go beyond your regular expenses.
To help you personalize your homeowners insurance coverage, AAA provides four endorsements. By addressing special risks or raising limitations for certain things, an endorsement expands coverage beyond the scope of conventional protections. Although endorsement availability differs by state, have a look at the possibilities below.
Umbrella | Extends liability protection beyond your standard home or auto policy limits for major lawsuits and claims |
Earthquake | Covers repair costs for your home, personal belongings replacement and living expenses after earthquake damage |
Flood | Reimburses damages from floodwaters to help repair your home and replace lost possessions |
Scheduled Personal Property | Increases coverage limits for high-value items like jewelry, art or collectibles beyond standard personal property limits |
Standard homeowners insurance from AAA doesn't cover damage from floods, earthquakes or acts you commit intentionally. However, AAA offers optional endorsements for some excluded perils.
Floods, earthquakes and landslides are not covered by a standard homeowners insurance policy. However, AAA does have endorsements to cover floods and earthquakes if your area is prone to such natural disasters.
Self-inflicted damage, neglect and normal wear aren't covered since homeowners can prevent these issues.
Home-based business equipment and liability claims from commercial activities require separate business insurance policies.
You can purchase AAA homeowners insurance online through their website or by contacting a local agent. Both methods let you buy home insurance with personalized quotes and coverage recommendations.
Determine the replacement cost of your house and the worth of your personal belongings to determine how much home insurance you require. To guarantee sufficient personal property coverage limits, make a home inventory listing all of your possessions.
To get a quote, go to the AAA website or give a local agent a call. For precise price, include information about the size, age, building materials and safety features of your house.
Examine various deductible amounts and coverage levels to strike a balance between affordability and protection. Depending on the dangers in your location, think about including endorsements like earthquake or flood coverage.
Inquire about discounts you qualify for, such as those for home improvements, claims-free records and protective equipment. To optimize your savings, present proof of eligible discounts.
Carefully read your policy documentation to comprehend the deductibles, exclusions and coverage restrictions. Save copies of all insurance documentation for your keeping and confirm your payment plan.
AAA accepts homeowners insurance claims through their online portal or via phone with claims representatives. Report damage promptly to begin the claims process and protect your property from further harm.
To report damage, get in touch with AAA right away via their website or claims hotline. Give the date of the loss, your policy number and a brief account of what transpired.
Before performing temporary repairs, take pictures and videos of every affected area. Make a list of all the damaged personal belongings and save the receipts for any urgent repairs.
To arrange a property inspection at your convenience, work with AAA's adjuster. During the adjuster's visit, prepare questions regarding coverage and show them all impacted locations.
Make sure your settlement offer includes all documented damages by carefully reviewing it. Throughout the restoration process, keep AAA updated and select qualified contractors for repairs.
AAA ranks fifth out of 14 national homes insurance carriers with a MoneyGeek score of 4.55 out of 5. The annual cost of $250,000 in dwelling protection coverage with AAA is $1,623.
For homeowners, AAA offers various cost-saving discounts in addition to having scheduled personal property and flood endorsements. Customers can save up to 22% on hail-resistant roofing installations and up to 37% depending on the age of their home.
Review MoneyGeek's quick answers to often asked questions about AAA home insurance below.
AAA homeowners insurance costs $1,623 annually for $250,000 in dwelling coverage based on our sample profile. Premiums range from $915 per year for $100,000 in dwelling coverage to $6,200 for $1 million in coverage. Your actual rate depends on factors including your home's location, age, your credit score and claims history.
AAA ranks fifth out of 14 national providers with a MoneyGeek score of 4.55 out of 5, making it a solid choice for homeowners insurance. The company excels in coverage options (ranking second nationally) and affordability (ranking fourth), though customer experience lags at 11th place. AAA also offers 17 discounts and four optional coverage endorsements to customize your policy.
AAA provides 17 homeowners insurance discounts, with savings up to 54% for new homes and up to 37% based on home age. Other significant discounts include up to 22% off for claims-free customers after five consecutive years, up to 22% for hail-resistive roofing and up to 12% for mature homeowners aged 50 or older. Additional savings come from protective devices (up to 9%), renovated homes (up to 21%) and fire-resistant roofing (up to 13.5%).
We used the following base profile to determine AAA's rates and judge their affordability:
Our ratings system for AAA consisted of the following scoring mechanisms:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
