Last Updated: 04/18/2025
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Highlights
Financial Strength Rating
A-(Verified 04/18/2025)
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Home and Renters Insurance Riders
- Identity Theft Protection
- Sewage and Drain Backup Coverage
- Valuable Items
Home and Renters Insurance
- Guest Medical Protection
- Personal Property Protection
- Reimbursed Living Expenses
- Renters Liability Coverage
AAA Renters Insurance Review
AAA Renters Insurance is an insurance carrier based in Livonia, MI. The company was founded in 1902 and offers renters insurance in 50 states (and Washington, DC).
AAA Renters Insurance FAQ
What is the financial strength rating of AAA Renters 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 Renters 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 Renters Insurance offer?
Renters insurance includes a wide range of coverages. One of the best ways to save money on your policy is to only pay for the coverage you need. AAA Renters Insurance offers the following types of renters insurance coverage:
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.
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.
Renters Liability Coverage:
If a claim is made against you or you are sued as a result of a covered occurrence, your renters personal liability coverage can help to cover the associated legal costs and related damages. For example, if a visitor accidentally trips and falls in your apartment and breaks a leg, your renters insurance policy may be able to help protect you.
AAA Renters Insurance customers can also add the following riders or endorsements to their renters insurance policies:
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.
How can you save money on a AAA Renters Insurance renters insurance policy?
When you ask for a quote with AAA Renters Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.
- Alarm System.
- Fire Extinguisher in the Home.
- 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 Renters Insurance.
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
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AAA Renters Insurance Community Reviews
Would you recommend AAA Renters Insurance to your friends?
U
Anonymous
Jun 25, 2020
May or may not recommend
I called to cancel my renters insurance and they told me I was all set - one year later I was STILL being charged! I called several times to tell them I cancelled but they proof of another renters insurance at a new address which I DID provide. However they said that was not enough proof and refused to refund me! This is the SECOND time I tried ...Show More
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