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AAA Home Insurance Review

Rating: 7.1 / 10 (Very good)
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Established in 1902, the American Automobile Association is a not-for-profit federation of affiliated motor clubs with more than 40,000 employees in over 1,000 locations throughout the United States and Canada. AAA currently provides services such as auto, home, and life insurance, roadside assistance, and identity theft protection to its 56 million members.

How is AAA rated?


Financial Strength
Customer Experience
Pricing & Discounts

Overall Rating: 7.1 / 10 (Very good)

AAA, an organization with over a century of experience in the auto insurance industry, now provides affordable property insurance coverages and a good range of discounts for both renters and homeowners. Despite their sound financial reputation, the group has received some negative customer reviews and complaints with regards to their products and services. Nevertheless, AAA remains a good choice for home insurance, especially for those looking for additional savings through mult-policy discounts.

Financial Strength

Key Details

American Automobile Association/ CSAA Insurance Group/ Auto Club Enterprises Insurance Group
Marketshare 2016
Premiums Written 2016
AM Best Financial Rating

Financial Strength - 7.5 / 10

With 115 years of experience in the industry, AAA offers members vast insurance expertise backed by their excellent financial strength and long-term issuer creditworthiness. The company also boasts an A+ rating from the A.M. Best agency and has issued over 874 million home insurance policies in 2016 through CSAA Insurance Group and more than 857 million through Auto Club Enterprises, each motor club holding 0.96% and 0.94% of the market share for that particular insurance product. AAA is undoubtedly a stable organization offering quality insurance and road assitance solutions.
*The above information reflects the financial strength of the underwriter of the AAA home insurance policies: American Automobile Association/ CSAA Insurance Group/ Auto Club Enterprises Insurance Group .

Customer Experience

J.D. Power 2016 Home Insurance Study

JD Power Overall Customer Satisfaction Score
3 out of 5 (About Average)
Policy Offerings
3 out of 5 (About Average)
3 out of 5 (About Average)
3 out of 5 (About Average)
3 out of 5 (About Average)
Annual Statement & Billing
4 out of 5 (Better Than Most)

Customer Ratings

Trust Pilot Rating
6.3 out of 10
BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Date Collected

Customer Experience - 6 / 10

Mixed customer reviews for AAA can be found on sites like BBB.org and Truspilot.com, where they have received good to average ratings along with several complaints. Consumers who have purchased insurance products from the organization have pointed out problems with the company's products and customer service. However, there are not enough reviews on such sites to ascertain whether or not the company's products and services are up to par with consumers' standards. JD Power's 2016 Home Insurance Study further confirms the organization ranks about average with regards to overall customer satisfaction, interaction, and claims, with two of their motor clubs obtaining mostly 3 out of 5 ratings across the board.

AAA Coverage

Basic Coverage

  • Dwelling Protection
  • Other Structures Protection
  • Personal Property Protection
  • Liability Protection
  • Guest Medical Protection
  • Additional Living Expense Coverage

Coverage - 7 / 10

Although fairly standard, AAA home insurance plans provide a good level of protection for both dwellings and additional structures alike. They also offer personal property, liability, and guest medical protection, along with a living expenses coverage and a roof surfaces loss settlement, which covers the loss a roof due to a natural disaster.

Pricing & Discounts

Household Discounts

  • New Home
  • Remodeled Home
  • Home Safety Features
  • Smoke-Free

Policy Discounts

  • Multi-Policy
  • Customer Loyalty

Pricing & Discounts - 8 / 10

AAA offers a range of discounts for having safety devices installed in the home, maintaining uninterrupted coverage with AAA, and bundling homeowners, renters or condo insurance with an auto insurance policy. Additionally, AAA offers up to 12% off premiums for mature homeowners over the age of 50 and up a 13.5% discount for having fire-resistant roofing installed. Although not the most comprehensive, the organization's list of discounts is in line with the industry standard, making them an attractive option for those looking for affordable home insurance coverages.

Contact & Additional Information

Homepage URL
Company Phone
(407) 444-7000
Headquarters Address
1000 AAA Drive, Heathrow, FL, 32746
Mailing Address
1000 AAA Drive, Box 61, Heathrow, FL, 32746
Year Founded

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Top Rated
9.8 / 10
  • A+ BBB - Over 100 Years of Experience
  • Homeowners, Condo, Renters or Umbrella Coverage
  • Coverage for your home, belongings & personal liability
  • There when you need it: Fast claims & 24/7 reporting
  • Bundle & Save with available multi-policy discounts
  • Get your quote today & learn how you can save up to 26%!