October 23, 2021

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AAA Homeowners Insurance Review 2020 | Reviews.com

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The American Automobile Association (AAA) is a long-standing and well-recognized name in American insurance options. The nonprofit organization has been supporting homeowners for well over a century. They offer car insurance, homeowners insurance, and life insurance.

AAA insurance is made up of a network with over 1,000 local clubs across North America. The exact home insurance coverage and discounts available to you vary depending on which club your location falls under. The biggest issue with going through different chapters is that customer experience can also vary from club to club. Customers also need to purchase a separate AAA membership, but the cost of membership is often nullified by the discounts and deals you get access to. If you have been researching AAA home insurance reviews, check no more, here is our comprehensive evaluation of this company. 

AAA Overview

In business since:


JD Power Score: J.D. Power scores are based on surveys for customer satisfaction and product quality.

Varies by club

AM Best: AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.

Varies by club

States served


According to YouGov, AAA is the most popular insurance brand with Baby Boomers and the 6th most famous insurance company in the U.S. AAA has 72% of positive opinions and is described by its customers as accessible, trustworthy, credible and well-organized. 

AAA has existed in the U.S. for well over a century and it currently has more than 1,100 locations across North America. It’s most known for roadside assistance and auto insurance but individual clubs offer home insurance, which means that the policies and and customer experience may vary by club. To get a thorough AAA home insurance review, check out its pros and cons. 


  • Good option for current AAA members: Existing members could consider it an option since they are already paying the membership fee.
  • Well-known name in insurance: According to YouGov, AAA is one of the most popular insurance brands in the United States.
  • Member benefits: Depending on your club and location, membership benefits include roadside assistance, discounts, identity theft protection and vacation planning.


  • Only for AAA members: For new customers, it might not be worth it paying for its one-time fee and membership that starts around $40 and $25 for each additional member.
  • Offerings vary by local clubs: Coverage, pricing, offerings and discounts change between locations.
  • Customer ratings vary by location: Every club also has different financial and customer service ratings.

Every club also has different financial and customer service ratings.



Customer Experience

Deals, Discounts, and Add-ons

The price of AAA homeowners insurance policies depends on many things, like your home’s age, location, and condition. Your proximity to fire and police stations, and whether you own a dog can also affect your rates. There are other personal factors, such as your credit and claims history that insurers take into account when determining the price for your homeowners insurance policy.

Like most AAA features, your insurance cost also depends on the individual chapter. Each club has different offerings and discounts, and prices vary by location. It’s essential to get a personalized quote from your local club to know exactly what AAA can offer you as far as home insurance. You should also compare homeowners insurance quotes to make sure you’re getting the best policy for your budget.

Typically, AAA home insurance coverage meets HO-3 standards, the most common type of home insurance. Also known as a “special form” policy, it covers personal dwellings and property from weather, vandalism, and theft, sudden accidents, and more. It also includes personal liability and medical expense coverage. It can also include personal property, guaranteed rebuilding cost, and guaranteed replacement cost. Look for features like green upgrades or service line coverage, which protects you against damage to outside underground service lines such as power, water, or sewer.

Another offering that’s fairly unique to some AAA clubs is home systems protection. It covers breakdowns in heating, air conditioning, and water heaters, which may save you money from having to get a separate home warranty. Again, the exact coverage varies between the different clubs. Check our articles on how to estimate your homeowners’ insurance and how to do a home inventory before it’s too late.

Not all individual AAA home insurance clubs are included in customer satisfaction surveys. However, there are some exceptions for larger clubs. The Auto Club of Southern California, for example, ranks at the bottom three in  J.D. Power’s most recent Property Claims Satisfaction Study, significantly below the industry average. On the other hand, the chapter fares well with NAIC’s complaint index, showing fewer than the industry’s average for 2019.

Each AAA homeowners insurance review has its own customer ratings, as they work as independent clubs. The best thing to do is to research your local chapter to determine its customer satisfaction.

There are many possible discounts and add-ons from AAA home insurance, depending on your local club. You can save with protective devices, qualified renovations, age of home, type of roof and bundling with its auto insurance policies. You can also save if you’re claims-free, of retirement age, or a loyal AAA member.

The caveat to these savings is that you’ll be paying for a AAA membership separate from your homeowners insurance premium. You may offset the cost of the membership and possibly save more besides that. It depends on the discounts your local club provides and what you qualify for.

For add-ons, you can get additional coverage such as protection for jewelry, umbrella insurance, floods and living expenses if you lose your house completely.


We evaluated the company based on its customer rating and experience, financial stability, and coverage to determine Reviews.com score and create our AAA Homeowners Insurance Review. To compare this company with home insurance companies across the board, we then compared each Reviews.com score based on the following:

  • Customer Ratings: Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction ratings.
  • Coverage: As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available. 
  • Confidence: It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best’s ratings, which specializes in assessing the financial strength of insurance companies.
  • Customer Experience: The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.

The Competition 

*All information accurate as of 09/11/2020.

AAA vs. State Farm

When we compared AAA versus State Farm‘s home insurance, we could not get a hold of customer complaints about AAA as it varies by club. But in general, AAA as a company only has 5% of negative opinion on YouGov.com and State Farm has fewer complaints than the average insurance company. A positive thing for State Farm is it is a part of our list of the best homeowners insurance companies

As for availability and coverage in the United States, both companies have local agents and cover properties in all 50 states. Although, for AAA homeowner insurance, only members can enjoy its discounts and deals. 

AAA vs. Allstate

Allstate underwrites its homeowners insurance, something that guarantees consistency in coverage and customer service to all its policyholders. Meanwhile, AAA works as a network of clubs that select local partners to offer their homeowners insurance, which means that discounts, policies, and deals might change depending on your property’s location. In terms of coverage around the U.S. both serve nationwide. 

AAA has customized information depending on your zip code, which means that their website experience is not as intuitive as Allstate’s. Allstate also made it to our best homeowners insurance companies

The Bottom Line 

AAA homeowners insurance is worth considering for current AAA members. The coverage and discounts may appeal to AAA members, especially if you’re bundling with auto insurance. AAA outsources its home insurance policies to other providers that underwrite them, meaning that the offerings and discounts vary per location. 

If you don’t have a AAA membership, you might want to shop around to compare quotes with companies that don’t require a membership but it’s still worth taking a look at what your local chapter can offer.

AAA Home Insurance FAQ 

Exact offerings vary by club, but to meet the needs of AAA members most clubs offer home, condo, and renters insurance.

AAA homeowners insurance is available in the 50 states. But AAA has over 1,000 locally-operated clubs, which means that home insurance details may differ based on location.

Most AAA clubs outsource their home insurance policies to third-party providers. The companies that underwrite AAA homeowners policies depend on each individual club.

Exact coverage varies by local clubs, but for the most part, coverage meets HO-3 standards. To meet those standards a coverage needs to protect from theft, fire or lightning, explosions, smoke, falling objects, freezing, vehicles, riots, volcanic eruptions, windstorms, damage caused by the weight of ice, snow or sleet, vandalism or malicious mischief, damages by an aircraft, sudden damages from electric current, sudden and accidental cracking or burning and accidental discharges of water from plumbing. If you are looking for add-ons they also offer additional flood insurance protection.

About the Authors

Nina Rodríguez-Quirós is a feature writer for Reviews.com. Over the last year, she has covered insurance providers, claims handling, coverage and more. She has been featured in Allconnect.com and holds a Master’s Degree in Theory and Research of Communications from the University of Puerto Rico. Her favorite review is Millennials and Auto Insurance.

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