Is AAA Homeowners Insurance Legit? A Review of Its Products , Benefits : Insurance Blob

Is AAA Homeowners Insurance Legit? A Review for 2023

If you’re looking for a homeowners insurance company that offers a wide selection of discounts, benefits, and coverage options, you might have heard of AAA.

AAA is a well-known organization that provides various services to its members, such as roadside assistance, travel discounts, and identity theft protection.

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But did you know that AAA also offers homeowners insurance through its regional clubs?

Depending on where you live, you might be able to get a policy from AAA that covers your home, personal property, liability, and more.

But how legit is AAA homeowners insurance? Is it worth joining AAA for your homeowners’ insurance needs?

This article will give you an honest and comprehensive review of AAA homeowners insurance.

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What is AAA homeowners insurance?

AAA homeowners insurance is a type of property insurance that protects your home and belongings from various perils, such as fire, theft, vandalism, and weather damage.

It is not issued by a single company, but by different regional clubs that are affiliated with AAA.

For example, if you live in California, you might get a policy from the Automobile Club of Southern California, while if you live in Florida, you might get a policy from the Auto Club South Insurance Company.

Each of these clubs offers its coverage options and discounts, so you’ll need to check with your local club to see what they offer.

You can visit the AAA website and enter your ZIP code to find your nearest club and get a quote.

How does AAA homeowners insurance work?

To get a quote from AAA homeowners insurance, you need to be a member of AAA or sign up for a membership.

The membership fee varies depending on your location and the level of benefits you choose, but it typically ranges from $50 to $100 per year.

The membership gives you access to various services and discounts from AAA, such as roadside assistance, travel discounts, identity theft protection, and more

Once you’re a member, you can request a quote from AAA homeowners insurance online, by phone, or in person.

You’ll need to provide some information about your home, such as its location, size, age, construction, and features.

You’ll also need to choose your coverage options and deductibles and provide some personal information, such as your name, address, and contact details.

AAA will then give you a quote based on your information and your driving record, credit score, and claims history.

If you decide to buy a policy from AAA homeowners insurance, you can pay your premium monthly, quarterly, or annually.

You can also manage your policy and file claims online, by phone, or in person.

You can access your policy documents, view your coverage details, make payments, and contact customer service through the AAA website or app.

If you need to file a claim, you can do so by reporting the incident and providing some evidence of the damage, such as photos, receipts, or police reports.

AAA will then assign an adjuster to your claim and keep you updated on the status and settlement.

What are the pros and cons of AAA homeowners insurance?

AAA homeowners insurance has some advantages and disadvantages that you should consider before buying a policy from them.

Here are some of the pros and cons of AAA homeowners insurance:

Pros

AAA homeowners insurance offers a wide selection of discounts that can lower your premium, such as multi-policy, loyalty, security system, smoke detector, fire sprinkler, and new home discounts. You can also save money by bundling your homeowners’ insurance with your car insurance or other insurance products from AAA.
It offers a variety of coverage options that can suit your needs and preferences, such as dwelling, personal property, liability, medical payments, loss of use, and additional living expenses coverage. You can also add optional coverages, such as earthquakes, floods, identity theft, personal umbrellas, and scheduled personal property coverage.
It includes some benefits that are exclusive to AAA members, such as roadside assistance, travel discounts, identity theft protection, and more. These benefits can add value to your membership and enhance your experience with AAA2

Cons

AAA homeowners insurance is not available in all states, so you may not be able to get a policy from them depending on where you live. AAA homeowners insurance is also issued by different regional clubs, so the coverage options and discounts may vary by location. You’ll need to check with your local club to see what they offer and how they compare with other insurers in your area.
It has more than the expected number of complaints about homeowners insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. AAA’s complaint ratio is 1.24, which is higher than the industry median of 1.00. This means that AAA has received more complaints than the average insurer of its size. Most of the complaints are about delays in claims handling, denial of claims, and unsatisfactory settlements.

Conclusion

AAA homeowners insurance is a type of property insurance that protects your home and belongings from various perils.

It is not issued by a single company, but by different regional clubs that are affiliated with AAA.

It offers a wide selection of discounts, benefits, and coverage options, but it also has some drawbacks, such as limited availability, a high complaint ratio, and membership requirements.

AAA homeowners insurance may be worth considering if you’re a member of AAA or interested in becoming one, but it may not be the best option for everyone.