AAA Home Insurance Review

Key Takeaways

AAA ranks fifth out of 14 national home insurers in MoneyGeek's analysis, scoring highest in affordability and coverage options. Its customer experience score ranks lower, at 11th.

At $128 a month for $250,000 in dwelling coverage, AAA's rate is $1,539 a year, though that climbs to $2,707 a year once you reach $500,000 in dwelling coverage.

AAA's biggest discounts are tied to your home's age and construction, with newly built homes qualifying for up to 54% off and hail-resistant roofs saving up to 22%.

AAA Home Insurance Ratings: MoneyGeek’s Review

AAA ranks fifth among 14 best home insurance providers in MoneyGeek's analysis, and most of that comes from how well it does on price and coverage options, which together make up 65% of our scoring. Where it falls short is customer experience, ranking 11th out of 14. If you rarely file claims and mostly want good coverage at a fair price, AAA is worth a close look. If you've had a rough claims experience before and that matters to you, there are better options in the field.


Overall	4.55	5
Affordability	4.88	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

MoneyGeek Rating

4.6/ 5

4.9/5Affordability

3.8/5Customer Experience

4.8/5Coverage Points

Average Annual Premium
$1,539
Number of Endorsements
4
Number of Discounts
17

pros
- Offers more than 17 discounts, with the largest savings tied to home age and construction
- Covers flood and earthquake damage through optional endorsements, which most standard policies exclude by default
cons
- Customer experience ranks 11th out of 14 national providers, which reflects how the insurer performs after you file a claim
AAA scores 4.55 out of 5 in MoneyGeek's analysis of 14 national home insurers, placing fifth overall. Affordability and coverage options are its highest-scoring categories, ranking near the top of the field. Its customer experience score ranks lower, at 11th, making it a better fit for homeowners who prioritize value over post-claim support.

AAA's discount list is one of the longer ones we've reviewed, with savings tied mostly to your home's age and condition. A newly built home can qualify for up to 54% off. A hail-resistant roof saves up to 22%. On the coverage side, its four endorsements fill the gaps most standard policies leave out, including flood and earthquake damage, which are excluded from base policies by default.

How Much Does AAA’s Homeowners Insurance Cost?

AAA averages $128 a month for $250,000 in dwelling coverage, and the price doesn't scale evenly as you add more coverage. Moving from $100,000 to $250,000 in dwelling coverage adds about $55 a month. The next step up, to $500,000, adds another $98 a month, the biggest jump in the lineup. Browse the table below to compare your options and find cheap home insurance with AAA at your coverage level.

Data filtered by:


$100K Dwelling / $50K Personal Property / $100K Liability	$73	$880
$250K Dwelling / $125K Personal Property / $200K Liability	$128	$1,539
$500K Dwelling / $250K Personal Property / $300K Liability	$226	$2,707
$750K Dwelling / $375K Personal Property / $500K Liability	$330	$3,960
$1MM Dwelling / $500K Personal Property / $1MM Liability	$447	$5,365

AAA Homeowners Insurance Cost by State

AAA's rates vary by state. West Virginia averages $77 a month for $250,000 in dwelling coverage, Missouri comes in at $135 and Kentucky reaches $144, a $67 monthly gap between the lowest and highest of the three.


Kentucky	$144	$1,724
Missouri	$135	$1,617
West Virginia	$77	$919

Note: Data above is for the states in which MoneyGeek was able to collect data. It's not reflective of the company's availability in the states.

AAA Homeowners Insurance Discounts

AAA has one of the broader home insurance discount lists we've seen, with savings tied to everything from your roof material to how long you've been claims-free. The claims-free discount is worth highlighting: five consecutive years without a claim can save you up to 22% on a homeowners policy. Check the table below to see what's available, and ask your agent what you actually qualify for in 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

What Does AAA Homeowners Insurance Cover?

AAA's homeowners insurance includes six standard coverages to help if your home is damaged due to an unexpected event.

Dwelling Coverage
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.
Other Structures 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.
Personal Property Coverage
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.
Personal Liability Coverage
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 incidents that occur there are covered by this protection.
Medical Payments Coverage
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.
Loss of Use Coverage
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.

Optional Home Insurance Coverages from AAA

A standard home insurance policy covers a lot, but AAA's four endorsements exist for situations it doesn't. Flood and earthquake damage are two of the most common coverage gaps homeowners don't realize they have until they need to file a claim. If you live in an area prone to either, or own high-value items that exceed standard personal property limits, the options below are worth adding to your policy.


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

What Does AAA’s Home Insurance Not Cover?

Standard homeowners insurance from AAA doesn't cover damage from floods, earthquakes or acts you commit intentionally. But AAA offers optional endorsements for some excluded perils.

Certain Natural Disasters
Floods, earthquakes and landslides are not covered by a standard homeowners insurance policy. AAA does have endorsements to cover floods and earthquakes if your area is prone to such natural disasters.
Intentional or Negligent Damage
Self-inflicted damage, neglect and normal wear aren't covered since homeowners can prevent these issues.
Business Use
Home-based business equipment and liability claims from commercial activities require separate business insurance policies.

How to Buy AAA’s Homeowners Insurance

You can purchase AAA homeowners insurance online through its website or by contacting a local agent. Both methods let you buy home insurance with personalized quotes and coverage recommendations.

1
Determine How Much Coverage You Need
Calculate your home's replacement cost and the value of your personal belongings. Create a home inventory listing all possessions for accurate personal property coverage limits.
2
Get a Quote Online or Through an Agent
Start a quote on the AAA website or call a local agent directly. The insurer will ask about your home's size, age, construction materials and any safety features it has.
3
Compare Policy Options
Review different deductible amounts and coverage levels. Add earthquake or flood coverage endorsements when these risks apply in your area.
4
Apply for Discounts
Ask about discounts you qualify for, such as home improvements, claims-free history and protective devices.
5
Review and Finalize Your Policy
Read your policy to confirm coverage limits, deductibles and exclusions.

How to File a Homeowners Insurance Claim With AAA

AAA policyholders can file homeowners insurance claims through its online portal or by phone with a claims representative. Report damage as soon as it happens for faster claims processing.

1
Report the Claim
To report damage, get in touch with AAA right away via its website or claims hotline. Give the date of the loss, your policy number and a brief account of what happened.
2
Document the Damage
Take photos and video of every damaged area first, before starting any temporary repairs. List each damaged item, and hold onto receipts for anything you pay for urgently.
3
Schedule an Inspection
Work with AAA's adjuster to arrange a property inspection at your convenience. During the adjuster's visit, prepare questions regarding coverage and show them all impacted locations.
4
Review the Settlement and Repair Process
Carefully review your settlement offer to confirm it includes all documented damage. Throughout the restoration process, keep AAA updated and select qualified contractors for repairs.

AAA Home Insurance Review: Bottom Line

AAA ranks fifth out of 14 national home 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 $1,539.

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.

AAA Home Insurance: FAQ

Review MoneyGeek's answers to questions about AAA home insurance.

AAA homeowners insurance costs $1,539 annually for $250,000 in dwelling coverage based on our sample profile. Premiums range from $880 per year for $100,000 in dwelling coverage to $5,365 for $1 million in coverage. Your rate depends on factors such as your home's location, age, credit score and claims history.

AAA ranks fifth out of 14 national providers with a MoneyGeek score of 4.55 out of 5. 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 discounts include up to 22% off for claims-free customers after five consecutive years, up to 22% for hail-resistant roofing and up to 12% for mature homeowners aged 50 or older. More savings come from protective devices (up to 9%), renovated homes (up to 21%) and fire-resistant roofing (up to 13.5%).

AAA Home Insurance Rates: Our Methodology

We used the following base profile to determine AAA's rates and judge their affordability:

Middle-aged homeowner (41 to 60)
2,500-square-foot house
$250,000 dwelling coverage
$125,000 personal property coverage
$200,000 liability coverage
Good credit
No claims in the past 5+ years

Our ratings system for AAA consisted of the following scoring mechanisms:

Affordability (55%): Using our base profile as a guide, we compared AAA's costs relative to the national average and competition.
Customer experience (35%): We considered forum ratings from AAA customers, industry studies from J.D. Power and AM Best Financial Strength scores.
Coverage (10%): This score considers AAA's add-on coverage selections relative to the average and the uniqueness of selections available.

Home Insurance Review for AAA: Related Articles

About Mark Fitzpatrick

Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.

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Sources

AAA. "Homeowners Insurance Coverages." Accessed December 30, 2025.
AAA. "Homeowners Insurance Discounts." Accessed December 30, 2025.