HOMEOWNERS AND RENTERS

HOMEOWNERS AND RENTERS

Trusted protection from a name you know

Trusted protection from a name you know

Security and savings go hand-in-hand with multi-policy discounts of up to 20%.

Security and savings go hand-in-hand with multi-policy discounts of up to 20%.

START YOUR QUOTE

Find out how much you could save on insurance

Or you can call for a quote

1-888-235-9651

1-888-235-9651

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 you can tailor to your needs. AAA also offers a variety of discounts to help lower your insurance rates and put money back in your pocket.1

Rest easier knowing that the Automobile Club of Southern California, the largest member of the AAA federation of motor clubs, has been serving Southern California since 1900 and providing insurance services since 1912.

AAA INSURANCE DISCOUNTS SAVE YOU MORE

Homeowners Discounts

Save up to 36.8% on qualifying homeowner discounts
  • Protective Device Discount: Save up to 9% with one or more approved and properly maintained devices (local or central burglar or fire alarms)

  • Mature Homeowner Discount: Save up to 12% when at least one insured is 50+ years old

  • Single Story Discount: Save up to 7.5%

  • New Home Discount: Save from 4.4% to 36.8% depending on the year your home was built

  • Roof Type Discount: Save up to 13.5%

Multi-Policy Discounts

Save up to 20% on your insurance
  • Home + Auto
    Save up to 20% when you combine AAA Home and Auto Insurance policies

  • Home + CEA
    Save up to 7% on your AAA homeowners insurance coverage if you insure your home for earthquake with the California Earthquake Authority (CEA)

Homeowner Benefits

A variety of coverage types, amounts and deductibles
  • Flexible Payments that make premiums easier to manage

  • Prompt, personalized service as a way of life

  • Toll-free claims hotline that is open 24 hours a day, seven days a week for efficient claims reporting

  • Quality insurance from a name you can trust

  • Free AAA policy review to help you understand your coverage options and available discounts

WHY CHOOSE AAA HOMEOWNERS AND RENTERS INSURANCE?


YOUR CHOICE OF TWO LEVELS OF COVERAGE

AAA gives you the power to choose what’s right for you and your home by offering distinct levels of coverage: the YourHome AdvantageTM option featuring Guaranteed Replacement Cost (GRC) coverage and Green coverage, or the YourHomeTM option featuring Extended Replacement Cost (ERC) coverage.2

Father and daughter

Choose the coverage2 that's right for you

YourHome
YourHome
Advantage
Extended replacement cost coverage (up to 125% of the policy's limits of liability)  
Guaranteed replacement cost coverage (full coverage no matter the limits of liability)  
Claims deductible waiver  
Identity fraud expense coverage  
Green coverage  
Personal property replacement cost coverage    

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Identity Theft Monitoring

Identity Theft Monitoring

Help safeguard your identity: Enroll in ProtectMyID®Essential, free for our members.

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Contact Us

Automobile Club of Southern California (“AAA” or "Auto Club") is a licensed insurance agency offering insurance to qualified Auto Club members from the Interinsurance Exchange of the Automobile Club, and life insurance from AAA Life Insurance Company, Livonia, MI. Auto Club’s CA DOI Lic. #0003259. Auto Club membership requires the separate payment of annual dues and an admission fee for new members.

1Certain restrictions apply. Discount amounts are approximate and will vary by policy; Acceptable documentation/certification may be required before discount(s) can be applied.

2Extended Replacement Cost coverage pays up to 125% of the limit of liability to rebuild your home. Guaranteed Replacement Cost coverage 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. Identity Fraud Expense and Green coverage are each subject to a $25,000 limit of liability. Both YourHome homeowners’ packages only apply to covered losses and do not provide coverage for earthquake or flood (said coverage requires a separate purchase). All coverages are subject to the policy contract and any endorsement(s). Review for terms, exclusions, conditions, and limitations. Please refer to the policy contract and any endorsement(s) for a full description of the coverage provided.