Known for its roadside assistance services, AAA has a history of dedication to road safety and assistance. Over the years, AAA has grown its offerings to include several kinds of insurance, including home insurance, car insurance, and life insurance.

Its home insurance policies offer competitive coverage and unique discounts. While AAA has received a fair number of reviews on BestCompany.com, most reviewers write about its roadside assistance. There is a small number that discuss AAA homeowners insurance policies.

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The Good

Coverage Offered
Unique AAA Discounts

Coverage Offered

AAA's home insurance covers all the typical things covered in the industry. Homeowners insurance coverage includes:

Separate structures on your property
Some coverage for personal property
Jewelry and valuables
Scheduled (listed, high-value) personal property
Loss of use (reimbursement of expenses if you can't use your home)
Some personal liability coverage
Medical payments to others for accidents
Dog bites
Replacing spoiled food from power outage

While it's worthwhile to compare coverage options and insurance rates, you can be confident in the homeowners insurance policies offered by AAA.

Unique AAA Discounts

Most home insurance companies offer an array of discounts to clients, including multiple policy discounts and discounts for not having prior claims. These discounts help you save on the monthly insurance premium.

AAA offers a few unique discounts. These are discounts for AAA membership, AAA membership loyalty, and auto insurance loyalty. If you have AAA car insurance or are already an AAA member, you can benefit from choosing AAA for your home insurance company.

AAA also offers a discount for mature policyholders. This discount is based on the age of the oldest policyholder. A few other companies offer a similar discount, but it's not a standard offering across the industry.

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The Bad

Must Provide Contact Information for Quote
Limited Customer Insight

Must Provide Contact Information for Quote

Before you can see a AAA homeowners insurance quote, you must provide your contact information. This factor can result in sales calls, which may not be what you want if you're in the research phase.

Limited Customer Insight

While AAA has a high number of reviews compared to other companies listed under home insurance on BestCompany.com, only a handful of reviewers specifically discuss home insurance. Some reviewers don't specify the service or insurance product they received from AAA. However, most of the reviewers discuss AAA's roadside assistance service.

Since so few reviews mention a homeowners insurance policy, it's difficult to assess the home insurance customer experience and make a recommendation.

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The Bottom Line

Even though AAA ranks highly as a home insurance provider on BestCompany.com, it's difficult to give a recommendation based on customer reviews. Most reviewers discuss experiences with roadside assistance rather than AAA home insurance.

However, a home insurance policy from AAA is worth investigating further because it you can find a competitive homeowners policy and a range of discounts. AAA insurance is an especially good option for AAA members because of the unique discounts offered by the insurer.

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User Reviews

Star Rating

3.5

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98 Reviews

Review Breakdown

5 grade

51%

4 grade

12%

3 grade

2 grade

1 grade

30%

Sentiment Criteria

Value

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Quality

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Service

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Trustworthiness

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Jerome Kovacik Newport, KY

Everytime I have needed roadside assistance, AAA has been Excellent. Nothing but good things to say about AAA. However, in this communication, I had spoken with a Lady by the name of Brittany. I was returning a call that I had received regarding my EA insurance. It seems my credit card had been replaced and not updated after the card change. I wanted to bring up Brittany's Exceptional Service that she provided for me. We were able to update my card and also Brittany answered a few of my questions about my EA insurance. I was a Service Account Manager in my working life and I know whst good/great Service is. I wanted to take the time to leave a Good/Great review for Brittany who works out of your Phoenix office. In my opinion, Brittany is an Important Asset to AAA. Too often we only point out negative issues. I believe Good shoild be pointed out as well.

4 years ago

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Karen Oakland, CA

Truck stopped at my job. Called AAA they told me 75 minutes for a service technician. That was at approx. 4:00pm. The guy didn't arrive until 7:00pm. This was ridiculous!!!! But when 'Chad' came, he handled his business and really gave me great customer service! He towed me to my home. The next day I called AAA again so I could have my truck towed to my mechanic, and it really only took about 45min for arrival. This guy 'Miguel' gave great customer service and handled his business. Been a member since the age of 16, and I'm now 63! I've always felt good about driving anywhere - as long as I have my AAA insurance.

6 years ago

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Jane Shirk ,

I requested roadside service on 3-14-22 in feastervilla pa. You can look up my membership number. The gentleman said his name but they call him "Q". He was professional, knowledgeable and excellent customer service. He showed me step by step what he was doing. He replaced my car battery. I talked his ear off ( I had just come from a funeral..I did not mention that to him) he was pleasant and listened. Very nice gentlemen. I hope he gets this message.Thank you so very much.

4 years ago

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Kathie Stansbury Raleigh, NC

A huge thank you to Roger in Raleigh, NC for being so efficient and kind as he quickly took care of replacing my flat tire yesterday. I didnt get the name of the young man on the phone who was si patient with me as I tried to figure out if I had a replacement tire. So, so appreciated these men who were of great service to me today! Excellent attitudes and servant hearts! God bless you both!

5 years ago

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Bad day Syracuse, NY

I needed help Because my starter decided to die on me. The customer service girl ( didn't get her name ) was great. When Allen W showed up which was about 10 minutes after I hung up with the service call he was at my location. While he was helping me I felt like he was going above and beyond. As mad as I am about the car, it was a pleasant experience.

6 years ago

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Shelonda

Run # 5451 -Driver (#218) Will answered my Serivce call within 30 minutes, AAA said it will be an hour and 10 minute wait. Will was there in 30 minutes. Will worked in the rain to get my vehicle on the truck. It took about an hour He had a hard time doing so, since I lost the keys. Will was very patient in try to figure it all out. His attitude was great and his effort was amazing. It people like will that can change a people’s while day just with kindness. Will thanks so much for coming to my rescue with a caring loving spirit. You made my day better. You ROCK! You have a Bless Week!

6 years ago

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Emily Louisville, KY

(Louisville KY) I needed to get my Jeep to the dealership. Contacted AAA on 02/18/19 at 10:40am to request a flat bed. The driver arrived at 11:05am. Greeted upon arrival. The three men were very friendly and professional. I will not hesitate to contact AAA in the future if I need assistance. Very satisfied. They made me feel very comfortable with conversation. They kept me up to date from the time they were dispatched to the time they were 5 minutes out and called me once they arrived to the location.

6 years ago

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Christopher M Harper TX

I have had three occasions to use AAA in the past, once when hurricane Ike took the shingles off my roof and the roof was replaced, once when I was broken into and a TV and other things were stolen and the third time when my roof was replaced due to hail damage. The real issue about an insurance company isn't so much about the premium costs, provided they aren't exorbitant, but how the treat you when you need support. My experience regarding AAA is that I never look at another insurance company letter offering lower rates. Doesn't that just say a lot. They provide an efficient, courteous, painless, response service. They are on top of their gain and they have helped me immensely over the years such that I'll never look at another company. Why would I?

3 years ago

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Michaela Khoury-Cullen Roseville, CA

I’m from Roseville California, the guy that came and helped with my roadside assistance was named Jay or something around there and was the nicest guy. He was at my location in 5 minutes and got me out of my lockout situation is ten seconds. I don’t know what I’d do without triple a!!

4 years ago

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Jeri Isaac Winfield, WV

I can not express enough the gratitude I have for this business. By far the best money I have ever spent. Every time I’ve called for assistance I have always received the best customer service, and a timely response. I just want to say thank you AAA! You get a AAA+ rating in my book!

4 years ago

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Adam Watson ,

The fleet manager Randy M. is an amazing guy, Great service, very caring. He went way above and beyond my expectations. Even when we got to the service station he stuck around to help and make sure we got our vehicle back on the road. Thanks again Randy #LETHENRYDOIT

5 years ago

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R. Spinelle Greer, SC

The service consultant took the time to explain each and every item that needed to be done. The technician was very professional and neat. He took his time and rechecked everything to make sure he didn't miss anything. I have complete confidence in AAA on Tanner Road.

5 years ago

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Molly Brewer Cypress, CA

I recently had to renew my registration for my vehicle. Karen DoDsman helped me with the process. I told her i was running late for another appointment and she was very sincere about it. She was prompt, thorough, and efficient. Having been helped by someone who was as personable as her made me renew my AAA services for the years to come!

6 years ago

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Kyra Norton, MA

I had a flat tire. Two gentlemen from C&L Towing came 20 minutes before the estimated arrival time, I hardly waited long. They were polite, quick and efficient. Had my spare on in no time and they made sure I was able to continue driving. I really appreciated their work. TH E AAA customer service lady was also very helpful and polite.

6 years ago

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tommy melvin Richmond, VA

AAA is one of those things you just need to have. I do not use as many of the numerous benefits as I probably should. Travel assistance, planning, insurance options, etc. I pretty much just have it for roadside assistance peace of mind. Always an easy process when you need it. The last time was being stranded without a battery. They showed up, put in a new battery, and they just charge you for the battery itself. Jacked up price for the battery right? Nope, cheaper than the same type battery in my local auto parts store. Impressive.

4 years ago

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michele houston Portland, OR

There were a few occasions where I did not want to renew my membership but I went ahead and did it anyway. Best decision! When you think you're not going to have any issues, you will! They are very reliable resource to have and I recommend them.

3 years ago

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Wendy Shaw Queens, NY

Very affordable. Easy to get a quote on-line with experts every step of the way to guide you. Great customer service . Found a policy in my price range with all the must haves on my check list. Definitely worth checking out!!!

3 years ago

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Jo Lars Pleasant Grove, UT

I like that I receive a discount when I group my home insurance with my auto insurance. Every bit of savings helps! Local offices have helpful agents and tons of information on more that just insurance! I love the travel savings that I receive as a AAA member.

7 years ago

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Anne Kimball Salt Lake City, UT

I use AAA for my home insurance and their rates were by far the most competitive for the kind of coverage they were providing. We are long-term members of all things AAA and have always been very pleased with their services and customer service.

7 years ago

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Ronda Hills

We have always received professional customer service. When necessary, placing a claim has been stress free. I was attracted to AAA because they offered a brick exclusion option for earthquake coverage, making this extra coverage affordable.

7 years ago

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Robert Horn II Pahrump, NV

AAA reimbursed us after a home burglary that occurred while we were at work. We had paid for additional jewelry coverage and it was lucky we did. It was easy to make the claim and we received our check shortly afterwards.

2 years ago

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J9softball Summerfield, NC

I have not had to file a claim yet, but I was able to add multiple bells and whistles and got higher coverage than my current company at a lesser cost. Very happy and my agent has been awesome!

3 years ago

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Phyllis Green Laguna Beach, CA

Always available! They are easy to connect with and get answers I need! I've been with them for years. All agents I've met are respectful & willing to assist when needed. This is a company I I can trust.

3 years ago

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Latresha Holman Phoenix, AZ

I love them been with them for over 4 yrs and never fails me alway comes to my needs for help and are great at what they do I suggest ever one to get a AAA membership you want be disappointed

3 years ago

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Terry Lebanon, PA

been with them for years,when my wife broke down in the car she called them and they had someone there to get towed to the garage for repairs in no time at all! would recommend to anyone!!

3 years ago

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Brian Siringo Lakeland, FL

Tonight a driver named Yaya went way it of her way to help my son get his car towed to our mechanic. She was punctual and among amazing.

4 years ago

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Tia Inverness, FL

I had a nail in my tire so I called AAA, and Rod from Ocala, FL came out and fixed it for me. He was very helpful and super nice!

5 years ago

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Kim Boyles Wilson, NC

I love AAA for several reasons. First the membership fee is awesome and in my budget. I wouldn't want to be without the fast, helpful assistance the company provides.

3 years ago

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Rebekah Cothren Fleetwood, NC

These guys save me so often! I’ll never be without them again! I don’t know why I didn’t have this service earlier! It more than paid for itself with the first tow!

3 years ago

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Lucy G Johnston, RI

Always there when I need them. My car started smoking and left it over night at Walgreens parking lot than call on Saturday morning to get it towed to our

3 years ago

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Steve Harris Baton Rouge, LA

I've had AAA for 30 years. Whenever I've been stranded or had a flat they were always there to help me out, to change the flat, tow may car, whatever was needed.

3 years ago Edited January 24, 2022

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Sade b Oklahoma City, OK

I once had AAA and it was useful for roadside assistance. When my car was stuck AAA arrived in a timely manner to help me unlock my door. I do recommend this company

3 years ago

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Kathie Bowman Lakeside, CA

I have AAA for renters insurance and i would recommend to anyone. They are easy to get ahold of someone if you need help with anything and very prompt

7 years ago

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Peter Gucci Brockton, MA

I'd like to thank bill from East Side in Rhode Island.. he came within 10 minutes...very polite and real helpful

5 years ago

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Jesse Prince Tulsa, OK

AAA insurance has been my company for about 10 years I only used it once to replace the roof didn't have any complaints.

3 years ago

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Mike Mongillo Mount Holly, NC

I have had so many great experiences with AAA and it is very worth it. Please go ahead and get this insurance! Will not regret it.

3 years ago

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Hemant Ramachandran Saratoga, CA

AAA is very reliable. My family uses their insurance, and they have benefitted from it. AAA responds in a timely manner and provides good service.

3 years ago

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Laura Mccall Yreka, CA

AAA is amazing a little pricey. But worth it. Their customer service is great as well and willing to help anyways they can.

3 years ago

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Melissa Garcia Northwood, OH

Steve came for our lockout and performed quick and efficient professional service! Thank you.

5 years ago

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M T Buffalo Grove, IL

AAA is always there when I need them. Wait times used to be outrageous but in recent years it has gotten better.

2 years ago

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Tammy Davies Racine, WI

AAA insurance is great. I am very happy with this company. They have great customer service and I love the rates.

3 years ago

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Victoria Erese Sydney, NSW

Truck 12 - Baha and Daniel Great service! Efficient and friendly service.

4 years ago

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Ramsey Olathe, KS

This last experience was amazing! Quick and very sweet guy named Branden!

5 years ago

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Gillien Oxnard, CA

Good service, reliable, fast and nice people

5 years ago

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Theo Tucson, AZ

Jose was helpful, fast, and professional

6 years ago

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Alan Neff Scottsdale, AZ

Very efficient claim process and everyone we spoke with was very professional.

2 years ago

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Andrew Sandy, UT

very easy to deal with and reasonably priced. they have saved me many times.

3 years ago

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Robert Britt Columbus, OH

Great Travel information, and offers for visiting other locations in the world.

3 years ago

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Ed Alfaro Phoenix, AZ

Fast response and great customer service.

2 years ago

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Cynthia Landing Forest City, IL

Affordable knowledgeable of your needs pleasant service

3 years ago