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Enjoy savings, service, and security

  • Discounts

    DISCOUNTS

    Combine your home and auto policies to save even more on your premium
  • Legendary service

    LEGENDARY SERVICE

    Knowledgeable and friendly agents are dedicated to helping you
  • Financial stability

    FINANCIAL STABILITY

    You can count on us; we have an A+ Superior rating from A.M. Best Company

Pick the plan that suits your needs

You can choose from three options with increasing levels of coverage.

 

Base

Deluxe

Ultra

Open peril coverage on dwelling

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✔

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Extended replacement cost coverage

 

✔

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Increased limit for personal property coverage

 

✔

✔

Replacement cost on personal property

 

✔

✔

Increased personal liability coverage

 

✔

✔

Increased limit for loss of use coverage

 

✔

✔

Lost pet coverage

 

 

✔

Refrigerated food spoilage

 

 

✔

Do you live in an apartment or condo?

No matter how big or small, your home is an investment that you need to protect. But you may not be covered even if your landlord or condo association has an insurance policy. An affordable renters or condo insurance policy through AAA provides coverage for your belongings as well as liability protection. Unsure if renters insurance is right for you? See six ways a policy could provide the coverage you may need.

RENTERS QUOTE CONDO QUOTE

Understanding your coverage

You may have questions about what your insurance includes. What’s the difference between dwelling and personal property coverage? Who’s covered by medical payments? We explain some insurance terms so you can get more comfortable with your policy.

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Plenty of discounts to help you save

We want you to enjoy great service at a great value. That’s why in addition to competitive rates, you could save even more with discounts based on your combined insurance policies, home, and more. 
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Help you save

Rest assured if you have a claim

Our policyholders have counted on AAA for years to provide the legendary service we’re known for. You can call our claims hotline any time to report a claim. We’re here to assist you along the way. 
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Need to manage your existing policy?

  • Make changes to your policy any time by logging in to your account or using our mobile app.
  • Sign up for automatic payments, and you’ll have one less bill to worry about. Automatic payments are not available in all markets.
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Get a free insurance policy review

Want to make sure you’re getting all the savings you can? Contact us today for a complimentary AAA policy review where we’ll explain your coverage options and available discounts.

Visit a branch or call 1-888-210-3478.

AAA membership requires a separate payment of annual dues and an admission fee for new members paying annually, and may be required for the purchase of AAA insurance.


AAA insurance is a collection of AAA branded products, services and programs available (where authorized) to qualified AAA members.  AAA personal lines insurance is provided by Interinsurance Exchange of the Automobile Club in CA, HI, NM, ME, NH, PA, VA and VT; by Automobile Club Inter-Insurance Exchange (ACIIE) and Auto Club Family Insurance Company in AL, AR, IL, IN, KS, LA, MS and MO; by Auto Club County Mutual Insurance Company and Auto Club Indemnity Company in TX; by Auto Club Property Casualty Insurance Company in KY and WV; and by MemberSelect Insurance Company in OH. Insurance may also be provided by independent carriers.  Life insurance is underwritten by AAA Life Insurance Company, Livonia, MI.  AAA Life is licensed in all states, except NY.  The Motor Club or its affiliates act as an authorized agent for insurers they sell insurance on behalf of, including AAA Life and AAA affiliate insurers. Personal lines insurance may not be available in every state or throughout a state. Please consult your local AAA agent.


Home and renters coverage is not available in Louisiana (LA).  Auto insurance in LA is offered by ACIIE. Insurance coverage is not available in NY.

Understanding your coverage options

Please note that available coverages are subject to policy limits and may vary by state. Personal lines insurance may not be available in every state or throughout a state. Please consult your local AAA agent. 

 

Dwelling
The house, attached garages, wall-to-wall carpeting, and built-in appliances. Land is not included.

 

Guaranteed rebuilding cost
If your home suffers a total loss, the optional Guaranteed Rebuilding Cost endorsement pays the covered losses to rebuild your home without regard to the limit of liability—few companies offer this coverage to homeowners.1

 

Guaranteed replacement cost
If your home or other covered structures suffer a loss, guaranteed replacement coverage pays the covered losses to repair or replace the damaged structure without regard to the limit of liability.2

 

Liability protection
Liability coverage may cover you if someone is injured on your property and you are found legally responsible for damages.

 

Loss of use
This coverage may help you pay for temporary increased living costs, such as hotel bills, if you are unable to stay in your home after a fire or other covered loss.

 

Medical payments
Covers someone injured at your home, regardless of who is at fault. Does not cover you or relatives who live with you.

 

Other structures
Structures separate from your house, such as a fence, detached garage, pool, gazebo, and patio. Land is not included.

 

Personal property

Examples include furniture, clothing, stereo equipment, televisions, sports equipment, and kitchenware. There are two types: actual cash value and replacement cost. Replacement cost will pay for the full replacement cost of your items in a covered loss, whereas actual cash value will subtract deprecation.

 

Personal liability
Covers injuries to others, along with damage to their property, for which you are legally obligated to pay.

 

Roof surfaces loss settlement

Adding this optional coverage to your policy can reduce your premium. Under this coverage, roof losses caused by windstorm, hurricane or hail will be paid as a percentage of the roof’s replacement cost, rather than the full replacement cost after the applicable deductible is applied. The percentage of replacement cost coverage for your roof is determined by the age and type of roof that you have.

 

 

 The above information is a helpful summary only and is not a comprehensive definition of all coverages, qualifications, limitations, etc. Please consult the policy and one of our insurance agents for more information.

 

 1Guaranteed Replacement Cost (GRC) coverage is offered to AAA Texas policyholders with qualifying homes built in 1950 or later. GRC only applies to covered losses and does not provide coverage for earthquake or flood (which may be sold separately). Please review the policy and any endorsement(s) for a full description of coverage, and all terms, exclusions, conditions and limitations.

 

2Guaranteed Replacement Cost coverage is offered to AAA California policyholders with qualifying homes built in 1940 or later. Please review the policy and any endorsement(s) for a full description of coverage, and all terms, exclusions, conditions and limitations.


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AAA is a federation of independent clubs throughout the United States and Canada. Please enter your home ZIP Code so we can direct you to the correct AAA club’s website.

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