Rest easier with AAA Insurance Coverage
For most of us, our home is more than a source of pride—it’s the largest asset we’ll purchase. AAA offers many coverage types, amounts and deductibles, all with options that you can tailor to your needs. AAA also offers a variety of discounts1 which could put money back in your pocket by lowering your insurance rate.
Age of Dwelling Discount: Save up to 40% on your homeowners policy, depending on the age of your home
Protective Device Discount: Save up to 15% with one or more approved and properly maintained devices
(burglar alarm, fire alarm, smoke detector, deadbolt)
Age 55 and Retired Discount: Save up to 10% when at least one insured is 55+ years old and retired
Claims-free Discount: Save up to 13% on your home or up to 33% on your renters or condo policy for being claims-free for 3 or more consecutive years
Renovated Home Discount: Save up to 23% on your homeowners policy for major system renovations, depending on completion date, and number and type of renovations
Hail-resistive Roof Discount: Save up to 35% on your homeowners policy depending on the location of your home and the roof’s impact resistance rating
Home + Auto Discount
Save up to 22% on your home (and up to 16% on your auto) when you combine AAA Home and Auto Insurance Policies
Condo/Renters + Auto Discount
Save up to 9% on your condo/renters (and up to 6% on your auto) when you combine AAA Condo/Renters and Auto Insurance Policies
Flexible Payments that make premiums easier to manage
Prompt, Personalized Service as a way of life
Toll-free Claims Hotline that is open 24 hours a day, seven days a week for efficient claims reporting
Quality Insurance from a name you can trust
Free AAA Policy Review to help you understand your coverage options and available discounts
Guaranteed Rebuilding Cost Coverage: 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 homeowners2
Homeowner coverage from foundation to roof—and a whole lot more—lets you relax and feel assured your residence is protected.
This coverage applies to the house, and any structures attached to it, such as a garage. Wall-to-wall carpeting, an outdoor antenna and built-in appliances are also covered. Land is not included.
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.2
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. The percentage of replacement cost coverage for your roof is determined by the age and type of roof that you have.
This coverage applies to structures separated from your house. Examples include a fence, detached garage, tool shed, pool, gazebo, and patio or deck. Again, land is not covered.
This coverage applies to your personal property. Examples include furniture, clothing, stereo equipment, groceries, televisions, sports equipment, and kitchenware.
Covers your obligation for injuries to others, along with damage to their property. Coverage includes your legal defense for a covered claim.
Following an accident at your home, this coverage pays the medical expenses of others, regardless of who is at fault. It does not cover your medical expenses or those of relatives who live with you.
|Included Coverage||Named perils coverage (only specifically named perils are covered)||–|
|All perils coverage (all perils covered, unless specifically excluded)||–|
|Damage to fencing caused by wind/hurricane, or hail||–|
|Damage caused by continuous & repeated seepage of water||–|
|Damage caused by sewer drain backup||–|
|Damage to building interior caused by wind or rain||–|
|Damage to the foundation or slab||–|
|Popular Optional Coverage||Guaranteed rebuilding cost coverage|
|Scheduled personal property coverage|
|Roof surfaces loss settlement coverage|
*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 membership requires the separate payment of annual dues and an admission fee for new members.
1 Discounts may apply to select coverages, vary by policy and are conditional.
2 Guaranteed Replacement Cost (GRC) coverage is offered for 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.
AAA insurance is a collection of AAA branded products, services and programs available to qualified AAA members. AAA personal lines insurance is provided by AAA Texas’ affiliate insurers: Auto Club County Mutual Insurance Company for auto and by Auto Club Indemnity Company for home/condo/renters and watercraft. AAA Texas acts as an agent. Life Insurance is underwritten and annuities are provided by AAA Life Insurance Company, Livonia, MI. AAA Life is licensed in all states, except NY. The local AAA Motor Club and/or its affiliates act as agents for their affiliates, including AAA Life. Each listed insurer has sole financial responsibility for its own products.