For homeowners shopping for price and coverage, AIG is hard to beat as one of the best home insurance providers, according to our analysis. The 4.8 out of 5 MoneyGeek score comes from strong rates and a wide range of policy options. The main drawback is claims handling, which scores well but trails the top insurers.
AIG Home Insurance Review (2026)
Updated: July 22, 2026
Advertising & Editorial Disclosure
AIG
MoneyGeek Rating
4.8/ 5
5/5Affordability
4.2/5Customer Experience
5/5Coverage Points
Average Annual Premium
$1,089Number of Endorsements
4Number of Discounts
Unknown
Key Takeaways
At $250,000 dwelling coverage, AIG averages $91 a month, compared to $245 a month at Allstate and $459 a month at Progressive.
AIG earns a 4.8 out of 5 MoneyGeek score, ranking second overall among national homeowners insurers in our analysis.
A single AIG policy can cover primary homes, seasonal residences, condos and properties abroad. Few insurers offer this level of flexibility for homeowners with multiple or international properties.
AIG Home Insurance Ratings: MoneyGeek’s Review
| Overall | 4.77 | 2 |
| Affordability | 5.00 | 1 |
| Customer Experience | 4.22 | 6 |
| Coverage | 5.00 | 1 |
*Scores are based on a 2,500-square-foot home, $250,000 dwelling coverage and a $1,000 deductible.
What Does AIG Homeowners Insurance Cover?
The home insurance coverages in a standard AIG policy are built around high-value properties, with a few features that stand out from what competitors include as standard.
AIG's "all-risk" policy covers your home and other permanent structures against most causes of loss, with guaranteed rebuilding cost and no cap on what AIG will pay to restore them. In states like California, extended rebuilding cost adds an additional 100% above your policy limits if rebuild costs run higher than expected.
AIG replaces damaged belongings at full replacement cost with no depreciation penalty, and coverage follows your personal property anywhere in the world. Pet damage to personal property is also included by default, a feature that's excluded from most standard policies.
Liability coverage protects you if someone is injured on your property or you're held responsible for damage to another person's belongings, with limits up to $1 million in our data. Coverage for property belonging to domestic staff and guests is included as standard, with no separate rider required.
Additional Living Expenses and Rental Income
If your home is uninhabitable after a covered loss, AIG covers the full increase in your living costs to maintain a comparable standard of living. Rental income lost during the repair period is also covered if part of your home is rented to others.
Sewer and Drain Backup
AIG covers sewer, drain and sump pump backup up to your full policy limits with no sub-limit applied. This is one of the few standard policies in the market that doesn't cap this coverage at a fraction of what you're insured for.
Building Ordinance
When rebuilding after a loss, local codes often require upgrades that go beyond simply restoring what was there. AIG covers those mandated upgrade costs so you're not paying out of pocket for compliance changes tied directly to the damage.
Optional Home Insurance Coverages from AIG
AIG's standard policy already covers most common risks, but optional coverages let you add protection for situations your base policy doesn't address. These are add-ons you choose at purchase based on your property, lifestyle and risk exposure.
Repair or replacement of home equipment that breaks down, including computers and entertainment systems, with limits from $50,000 to $1 million | |
Household SafeGuard | Up to $250,000 for expenses following traumatic events including kidnapping, home invasion, stalking, carjacking and hijacking |
Green Rebuilding Cost | Repair or replacement of damaged property and contents using eco-friendly materials |
Waiver of Deductible | Waives your deductible on losses greater than $50,000 when your deductible is $25,000 or less |
What Does AIG’s Home Insurance Not Cover?
AIG's "all-risk" policy covers most causes of loss, but specific exclusions apply in some instances, and flood and earthquake damage are not included in a standard policy. High-value personal property also hits sub-limits quickly, with jewelry capped at $5,000 and silverware at $10,000, meaning collections worth more than those amounts won't be fully covered without a separate policy.
How Much Does AIG’s Homeowners Insurance Cost?
AIG's home insurance rates are one of its biggest strengths, with a $250,000 dwelling policy averaging $91 per month versus $245 per month at Allstate for comparable coverage. Premiums stay manageable even as coverage needs grow, reaching $291 per month for $1 million in dwelling coverage.
Data filtered by:
$1,000
| $100K Dwelling / $50K Personal Property / $100K Liability | $61 | $729 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $91 | $1,089 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $159 | $1,911 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $228 | $2,737 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $291 | $3,490 |
AIG Homeowners Insurance Cost by State
Homeowners insurance rates vary from state to state based on local weather risks, building costs and other factors, and AIG is no exception. In the two states where MoneyGeek has AIG rate data, annual premiums range from $519 per year in Hawaii to $1,772 per year in Rhode Island, a difference of over $1,200 per year for the same coverage. MoneyGeek currently has limited state-level data for AIG, so homeowners should contact AIG directly or through an independent agent to get a quote specific to their state.
| Hawaii | $43 | $519 |
| Rhode Island | $148 | $1,772 |
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.
AIG Homeowners Insurance Discounts
Specific discount information for AIG homeowners insurance isn't available on the insurer's website. Confirming savings opportunities requires contacting the insurer directly. The best way to find out which discounts apply to your specific property and situation is to ask your independent AIG agent when you request a quote.
How to Buy AIG’s Homeowners Insurance
AIG homeowners insurance is only available through independent agents, so the buying process looks a little different from insurers that let you quote and buy directly online. Here's how to buy home insurance from AIG:
- 1Find an independent AIG agent
AIG policies are sold exclusively through independent agents who are authorized to write coverage through Private Client Select Insurance Services. You can start by contacting AIG directly to get connected with an agent in your area.
- 2Discuss your property and coverage needs
Your agent will ask about your home, its value, location and any specific risks or coverage needs you have. This is also the right time to ask about optional coverages like Household SafeGuard or Equipment Breakdown and any discounts you may qualify for.
- 3Review your custom quote
Because AIG builds each policy around the specific risks of your property, your quote will reflect your home's individual characteristics rather than a standard rate formula. Review the coverage details carefully and ask your agent to walk you through anything that isn't clear.
- 4Bind your policy
Once you're satisfied with the coverage and pricing, your agent will finalize and bind the policy. You'll receive access to AIG's Client Portal, where you can view your policy information and submit claims if needed.
- 5Review and Finalize Your Policy
Read through your policy so you understand what's covered, what's not, and what your deductible is.
How to File a Homeowners Insurance Claim with AIG
Filing a claim with AIG starts with getting in touch as soon as possible after a loss, either by phone or through the Client Portal. Here's what the process looks like from first contact to resolution.
Step 1: Contact AIG as soon as possible
Call 1-888-760-9195 any time to report your loss to AIG's Customer Service Center, where a representative will walk you through starting your claim. The sooner you report the loss, the sooner the claims process can get moving.
Step 2: Provide details about the loss
Your claims representative will ask about what happened, when it occurred and what was damaged or lost. Being as specific as possible at this stage helps AIG assess the claim accurately and reduces the chance of follow-up questions slowing things down.
Step 3: Send in your documentation
AIG accepts claims documentation by email at czclaims.pcg@aig.com, so gather photos, receipts and any records that support your claim and send them in promptly. Strong documentation is one of the most effective ways to keep the claims process on track.
Step 4: Follow up as your claim is processed
Stay in contact with your AIG claims representative as your claim moves through review and into the restoration phase. AIG's restoration process is designed to return high-value properties to their original condition, sourcing the right materials and craftspeople for the job.
AIG vs. Other Home Insurance Companies
Against Progressive, AIG's advantage is that it costs $368 per month less for equivalent coverage and leads by 2.71 points on coverage score alone. Against Allstate, the gap is narrower on scores but the pricing difference remains substantial at $154 per month, and AIG's broader coverage options give it a clear edge for homeowners with more complex needs.
| Average Monthly Premium | $91 | $459 | $245 |
| Average Annual Premium | $1,089 | $5,505 | $2,942 |
| Overall MG Score | 4.77 | 3.75 | 4.20 |
| Affordability Score | 5.00 | 4.09 | 4.52 |
| Customer Experience Score | 4.22 | 3.87 | 3.88 |
| Coverage Score | 5.00 | 2.29 | 3.69 |
AIG Home Insurance: FAQ
We answer questions to help you understand AIG's home insurance.
AIG averages $91 per month for a $250,000 dwelling policy with a $1,000 deductible, which is well below what most national competitors charge for equivalent coverage. Rates scale with coverage level, ranging from $61 per month at $100,000 in dwelling coverage to $291 per month at $1 million, and vary by state.
AIG doesn't publish its discount information publicly, so MoneyGeek isn't able to confirm which discounts are available. The best way to find out what you qualify for is to ask your independent AIG agent directly when you request a quote.
You can file a claim with AIG any time by calling 1-888-760-9195 or by logging into the AIG Client Portal and selecting "Submit a Claim." For claims documentation, you can send supporting materials like photos and receipts to czclaims.pcg@aig.com.
AIG Home Insurance Rates: Our Methodology
To evaluate AIG's rates, we gathered quotes using this sample profile:
- Homeowner between 41 and 60 years old
- 2,500-square-foot home
- $250,000 in dwelling coverage
- $125,000 in personal property coverage
- $200,000 in liability coverage
- Good credit score
- No claims history in the past five or more years
Our MoneyGeek score for AIG is based on three categories:
Affordability (55%): We measured AIG's rates against the national average and competing insurers using our sample profile.
Customer experience (35%): We reviewed customer feedback, J.D. Power studies and AM Best financial strength ratings.
Coverage (10%): We evaluated the optional coverages and endorsements AIG makes available relative to other insurers in our analysis.
Learn more about our home insurance methodology.
Home Insurance Review for AIG: 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.