Rest easier with AAA insurance
For most of us, our home is more than a source of pride—it’s the largest asset we’ll purchase. AAA offers many coverage types, amounts and deductibles, all with options that can be tailored to your needs.

• Guaranteed Rebuilding Cost coverage: If your home suffers a total loss, the optional Guaranteed Rebuilding Cost endorsement pays the covered losses to rebuild your home without regard to the limit of liability—few companies offer homeowners coverage this good¹
• Financial stability: An A.M. Best rating of “A+ Superior” for our affiliate insurer reflects the high level of financial strength behind the insurance we offer
• Customized protection: Special options like Personal Property Replacement Cost Coverage can be tailored just for you
• Flexibility: As an alternative to paying the full premium up front, we offer payment plan options
• Dedication: Prompt, personalized service from sales and service representatives

¹Guaranteed Rebuilding Cost (GRC) coverage is an optional endorsement that pays the cost to rebuild your home without regard to the limit of liability and is offered for qualifying homes built in 1950 or later. GRC only applies to covered losses and does not provide coverage for earthquake or flood (said coverage requires a separate purchase). In certain coastal bands windstorm, hurricane and /or hail coverage are excluded and would require the purchase of separate coverage. All coverages are subject to the policy contract and any endorsement terms, exclusions, conditions, and limitations. Please refer to the policy contract and any endorsement(s) for a full description of the coverage provided.

AAA members get homeowners discounts
AAA offers a variety of discounts to help lower your insurance rates and put money back in your pocket.²

• Multi-policy: Save up to 12.5 percent  on your auto and 22 percent on your home when you insure both through AAA
• Protective devices: Save from 3 to 15 percent if you have one or more, such as a burglar alarm, fire alarm, smoke detector, deadbolt, and/or fire extinguisher
• Age 55 and Retired: Save 10 percent when at least one named insured is 55 years of age or older and retired
• Age of dwelling: Save from 4 to 32 percent, depending on the age of your home
• Renovated home: Save from 1 to 12 percent for major system renovations, depending on completion date, and number and type of renovations
• Hail-resistive roof: Save from 1 to 35 percent depending on location and roof’s impact resistance rating
• Claims free: Save from 3 to 11 percent for maintaining a claims-free policy through AAA

²Certain restrictions apply. Discount amounts are approximate and will vary by policy; Acceptable documentation/certification may be required before discount(s) can be applied.

Anticipate real peace of mind
Homeowner coverage from foundation to roof—and a whole lot more—lets you relax and feel assured your residence is protected.⁴

• Dwelling: This coverage applies to the house, and any structures attached to it, such as a garage. Wall-to-wall carpeting, an outdoor antenna and built-in appliances are also covered. Land is not included.
• Guaranteed Rebuilding Cost coverage: If your home suffers a total loss, the optional Guaranteed Rebuilding Cost endorsement pays the covered losses to rebuild your home without regard to the limit of liability—few companies offer homeowners coverage this good.⁴
• Other Structures: This coverage applies to structures separated from your house. Examples include a fence, detached garage, tool shed, pool, gazebo, and patio or deck. Again, land is not covered.
• Personal Property: This coverage applies to your personal property. Examples include furniture, clothing, stereo equipment, groceries, televisions, sports equipment, and kitchenware.
• Personal Liability: Covers your obligation for injuries to others, along with damage to their property. Coverage includes your legal defense for a covered claim.
• Medical Payments: Following an accident at your home, this coverage pays the medical expenses of others, regardless of who is at fault. It does not cover your medical expenses or those of relatives who live with you.

⁴Guaranteed Rebuilding Cost (GRC) coverage is an optional endorsement that pays the cost to rebuild your home without regard to the limit of liability and is offered for qualifying homes built in 1950 or later. GRC only applies to covered losses and does not provide coverage for earthquake or flood (said coverage requires a separate purchase). In certain coastal bands windstorm, hurricane and /or hail coverage are excluded and would require the purchase of separate coverage. All coverages are subject to the policy contract and any endorsement terms, exclusions, conditions, and limitations. Please refer to the policy contract and any endorsement(s) for a full description of the coverage provided.