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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96 Reviews

Review Breakdown

5 grade

51%

4 grade

11%

3 grade

2 grade

1 grade

30%

Sentiment Criteria

Value

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Quality

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Service

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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.

2 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.

3 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?

10 months 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.

6 months 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.

2 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!

2 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.

3 years ago

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Frank Silva Newark, CA

I’ve been with AAA for about 3 years. With all honestly was on the verge of switching insurance. Til I spoke with a gentleman named Logan F. This gentleman was very attentive, respectful and genuine. If I go into detail on how Logan assisted me. I would be here all day lol. He goes over and beyond what his job entitled to do. Great guy overall. The insurance helps yes but the customer service overall is horrible. Til I spoke with Logan. My other adjuster isn’t doing her job idk why if it’s my ethnicity, age or because I switched to liability I’m being treated this way but who’s to say. Either way I want to give Logan recognition because he very mich deserves it!!! THANK YOU LOGAN F!!!

3 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!

4 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.

4 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!!

2 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!

2 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

3 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.

3 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!

4 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.

4 years ago

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L Turner Avon, IN

AAA was my first insurance company. They helped me understand the process and reps were knowlegable. Luckily I didn't need to make any claims with them. It was easy to contact them and talk to a human if I had any questions. I was able to bundle multiple services so that I could pay everything at once. My only issue was pricing. Fees at the time seemed a bit high. The service was great and I would recommend, but there are options at a lower cost.

10 months ago

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Bob Trammell Los Angeles, CA

I have had AAA homeowners' insurance for a number of years. Their prices are competitive and I get an additional discount because they also insure my vehicles. I've never had the occasion to need homeowners' insurance (thankfully) so I can't comment on how their claims procedure works. They give discounts for a lot of different things, including that I'm a member of the alumni association where I went to College, which (I think) is unusual. The only downside to them is that they bill their earthquake insurance (I'm in California) separately so it isn't paid as part of the impound account on my home. I get hit with a bill every July for about $150.

1 year ago Edited July 29, 2022

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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.

1 year ago

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Ryan Vett McKees Rocks, PA

This was one of the worst companies I've dealt with for insurance. Hours of waiting on hold, being told they will only do certain things in-person at one of their locations. I could not cancel my policy without showing up in person to do so. Their rates were on par with other insurance companies, and I would not recommend them to anyone.

4 months ago

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Celeste Orlando, FL

For the past few services that I had needed I have to say has been a nightmare. The initial service call is always an hour to ninety minutes and then they’ll call, or text and say the ETA has changed to a ridiculous amount of time which is then an additional hour to two. I’m so sick and tired of this poor service. If an ETA is given, drivers need to get to the customer. I’m aware of traffic delays, but this happens to me any and every time I call for roadside assistance. AAA needs to get better contractors on board who take their jobs serious and is all about getting to the customer to assist them. I rate them a 2 for lack of customer satisfactions for me. Train your contractors better and the AAA way and this wouldn’t be a problem.

3 years ago

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Gia Regina Schertz, TX

AAA home insurance was affordable for me. It was easy to apply for. They have friendly customer service. All in all it was a very positive experience. I was able to get the coverage that my landlord requested and it didn’t hurt me financially.

9 months ago Edited September 8, 2022

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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!

10 months 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.

11 months 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!!!

1 year ago

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Tammy jo Wright Phoenix, AZ

I had an RV 1999 was the year. I got tripleAAA so i had 4times to use AAA in a year. The RV side of AAA IS NOT GOOD AT ALL. THEY DIDNT HAVE THE RIGHT EQUIPMENT. YHE PEOPLE THEY SENT TO HELP ME DIDNT NO MUCH OR NOTHING ABOUT RVs. The customer service got info down wrong enough that the first time I needed them they didn't come until 12hours after I made the first call for help.

1 year ago

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Grace Citrus Heights, CA

At 18 I bought myself a 1973 Dodge Challenger. The second thing I did was have AAA added to my policy taking my parents advise roadside service, was added as well. I relied many times on AAA roadside services. And never was disappointed. AAA doesn't leave people stranded. As a policy holder I enjoyed AAA's travel services as well. AAA made traveling so easy and we were always given the best accomodations and someone easy to contact when we had questions.

1 year ago Edited December 28, 2021

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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.

4 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.

4 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.

4 years ago

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Alan Neff Scottsdale, AZ

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

2 months 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.

5 months 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.

7 months 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.

8 months ago