Last Updated: 04/18/2025
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Highlights
Community Rating
Strongly recommended
Financial Strength Rating
A-(Verified 04/18/2025)
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Number of Reviews
AAA Home Insurance Review
AAA Home Insurance is an insurance carrier based in Livonia, MI. The company was founded in 1902 and offers home insurance in 50 states (and Washington, DC).
AAA Home Insurance FAQ
What is the financial strength rating of AAA Home Insurance?
The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.
AAA Home Insurance scores an A- financial strength rating. Insurance companies with this score show an excellent ability to cover their insurance responsibilities.
What types of coverage does AAA Home Insurance offer?
Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. AAA Home Insurance offers the following types of home insurance coverage:
Dwelling Coverage:
Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.
Guest Medical Protection:
This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.
Liability Coverage:
The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
Other Structures Coverage:
This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.
Personal Property Protection:
This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.
Reimbursed Living Expenses:
This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.
AAA Home Insurance customers can also add the following riders or endorsements to their home insurance policies:
Earthquake Coverage:
This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.
Green Improvement Coverage:
This endorsement allows a home to be rebuilt with green materials or items to be replaced with more energy-efficient versions in the event of a covered loss.
Identity Theft Protection:
This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.
Sewage and Drain Backup Coverage:
This coverage helps you repair water damage from overflowing drains and sewers, broken sump pumps, and damage that results from water moving from the ground up.
Valuable Items:
Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.
Watercraft Coverage:
This rider provides protection from liability and damages caused by a boat. This may be enough if you have a small boat or if you only use it on your property. However, you may want to consider a separate boat insurance policy for larger boats and longer trips.
How can you save money on a AAA Home Insurance home insurance policy?
When you ask for a quote with AAA Home Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.
- Alarm System
- Home Security or Protective Devices
- Recent Home Improvements / New Roof
- Home Monitoring System
- Smoke Detectors
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with AAA Home Insurance.
What additional benefits does AAA Home Insurance offer?
AAA Home Insurance offers the following benefits to its customers:
24/7 Phone Availability:
Customer service is staffed around the clock.
Local Agents:
Perfect for people who prefer the personal touch of a local insurance agent.
Digital Claims Reporting:
Never fax or mail a document again.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 7:00PM
Tuesday
8:00AM - 7:00PM
Wednesday
8:00AM - 7:00PM
Thursday
8:00AM - 7:00PM
Friday
8:00AM - 7:00PM
Saturday
8:00AM - 5:00PM
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.
+100
-1000+100
No one recommends
Everyone recommends
AAA Home Insurance Community Reviews
Would you recommend AAA Home Insurance to your friends?
SW
Sue W.
Nov 17, 2022
May or may not recommend
AAA is such a trustworthy, household name that it goes without saying I trust them with my home insurance. Customer service is always excellent and they are able to walk you through anything in your policy that you might need assistance with.
CH
Chaster H.
Oct 24, 2022
May or may not recommend
Triple A is a worldwide company and known by many, so would recommend friends and family to look into Triple A for home insurance.
NP
Najla P.
Oct 12, 2022
May or may not recommend
AAA Insurance is the one of the home insurance I have used. Few months back one of my friends house got struck with water leakage and their first call was AAA and they were beyond helpful, apologetic, and cared about them and even set up a hotel accommodations for them until they could get back into the house and list all items that were in their. There are few companies ...Show More
AW
Alicia W.
Oct 5, 2022
May or may not recommend
Yes, I would recommend because they are a reputable brand… I just wish the wait times on the phone weren’t as long. However, once you get through to an agent the customer service is great.
PN
Perez N.
Aug 21, 2022
May or may not recommend
I would recommend AAA because my girlfriend’s mum usually praise them saying they have good customer service and they have a myriad of coverage plans
Shaina M.
Aug 12, 2022
May or may not recommend
I love having AAA renters insurance , it feels like a country club membership and makes me feel more comfortable than other rental insurance providers since it’s a household name . No matter what complex I move to , I’ve never had an HOA decline my insurance provider and the coverage is top tier .
Idris A.
Aug 11, 2022
May or may not recommend
I will recommend AAA Home Insurance i really have a great experience with them. They are always ready to answer all question and give solutions. I have and their customer service is excellent. I strongly recommend them.
PP
Pradip P.
Aug 7, 2022
May or may not recommend
Me and my family have been a happy customer of AAA for years. I would highly recommend for their reliable prices, protection, 24/7 customer service, overall it has been a great experience being part of it.
AS
Anisiya S.
Jul 22, 2022
May or may not recommend
AAA Insurance is the only thing I’ve used and rest of my family members used. Just last week my brother in laws house got struck by lightening and burned down and their first call was AAA and they were beyond helpful, apologetic, and cared about them and even set up a hotel accommodations for them until they could get back into the house and list all items that were in ...Show More
VK
Victoria K.
Jul 21, 2022
May or may not recommend
AAA Home Insurance offers a lot of protection that is essential for home owners. Not only is your home protected from damage from fire or natural disaster, AAA Home Insurance offers protection against break ins. You really get a bang for your buck with this insurance. Highly recommend.
DR
Desmond R.
Jul 6, 2022
May or may not recommend
AAA has always had simple and straight to the point telephone navigation, they have very friendly and easy to work with customer service agents and have always made every interaction a good one I love it!
LR
Lily R.
Jun 30, 2022
May or may not recommend
AAA Home Insurance is the only insurance I swear by. I am so glad I choose them. They have outstanding customer service, they are always so quick to help!! Most important they work with your budget.
SJ
Sachida J.
Jun 14, 2022
May or may not recommend
I have had a great experience with AAA Home Insurance. They are always quick to respond to any questions or concerns I have and their customer service is excellent. I would highly recommend them to anyone looking for a great home insurance company.
MG
May G.
Jun 7, 2022
May or may not recommend
I would always recommend anything that has AAA associated with it simply because it is a household name. For their home insurance, I like that they offer the basics that other companies do but, they also have their own spin on things to make them the better choice. They also offer discounts for home improvements and safety improvements to the home that other companies dont offer. I would also recommend ...Show More
RF
Robelys F.
May 22, 2022
May or may not recommend
Recommend they are quick and good prices monthly fees are affordable
RD
Reigni D.
Apr 27, 2022
May or may not recommend
I have always been able to get quick and efficient service from AAA. Their telephone system is easy to navigate and you can quickly speak with a representative if you prefer to not talk to a machine. Friendly staff. Would recommend
Showing 16 of 16 reviews