Make yourself at home with a quality insurance policy

Enjoy savings, service, and security

  • Discounts


    Combine your home and auto policies to save even more on your premium
  • Legendary service


    Knowledgeable and friendly agents are dedicated to helping you
  • Financial stability


    You can count on us; we have an A+ Superior rating from A.M. Best Company

Pick the plan that suits your needs

You can choose from three options with increasing levels of coverage.





Open peril coverage on dwelling

Extended replacement cost coverage


Increased limit for personal property coverage


Replacement cost on personal property


Increased personal liability coverage


Increased limit for loss of use coverage


Lost pet coverage



Refrigerated food spoilage



Do you live in an apartment or condo?

No matter how big or small, your home is an investment that you need to protect. But you may not be covered even if your landlord or condo association has an insurance policy. An affordable renters or condo insurance policy through AAA provides coverage for your belongings as well as liability protection. Unsure if renters insurance is right for you? See six ways a policy could provide the coverage you may need.

Understanding your coverage

You may have questions about what your insurance includes. What’s the difference between dwelling and personal property coverage? Who’s covered by medical payments? We explain some insurance terms so you can get more comfortable with your policy.

Plenty of discounts to help you save

We want you to enjoy great service at a great value. That’s why in addition to competitive rates, you could save even more with discounts based on your combined insurance policies, home, and more. 
Help you save

Rest assured if you have a claim

Our policyholders have counted on AAA for years to provide the legendary service we’re known for. You can call our claims hotline any time to report a claim. We’re here to assist you along the way. 
Insurance Inspector

Need to manage your existing policy?

  • Make changes to your policy any time by logging in to your account or using our mobile app.
  • Sign up for automatic payments, and you’ll have one less bill to worry about. Automatic payments are not available in all markets.

Are you prepared for an earthquake?

Earthquake damage typically isn’t covered under a homeowner’s policy. To protect your home and belongings in the event of an earthquake, you will need separate coverage for costs associated with:


  • Structural damage / Rebuilding your home
  • Replacing your personal property
  • Paying for temporary housing

Contact your AAA agent to learn more about earthquake coverage and find out if you’re eligible for our CEA Multi-Policy Discount.1

Road Infrastructure Earthquake Damage

Get a free insurance policy review

Want to make sure you’re getting all the savings you can? Contact us today for a complimentary AAA policy review where we’ll explain your coverage options and available discounts.

Visit a branch or call 1-888-210-3478.

Separate purchase of AAA membership is generally required to obtain and renew AAA insurance.

AAA insurance is a collection of AAA branded products, services and programs available (where authorized) to qualified AAA members.  AAA personal lines insurance is provided by Interinsurance Exchange of the Automobile Club in CA, HI, NM, ME, NH, PA, VA and VT; by Automobile Club Inter-Insurance Exchange (ACIIE) and Auto Club Family Insurance Company in AL, AR, IL, IN, KS, LA, MS and MO; by Auto Club County Mutual Insurance Company and Auto Club Indemnity Company in TX; by Auto Club Property Casualty Insurance Company in KY and WV; and by MemberSelect Insurance Company in OH. Insurance may also be provided by independent carriers.  Life insurance is underwritten by AAA Life Insurance Company, Livonia, MI.  AAA Life is licensed in all states, except NY.  The Motor Club or its affiliates act as an authorized agent for insurers they sell insurance on behalf of, including AAA Life and AAA affiliate insurers. Personal lines insurance may not be available in every state or throughout a state. Please consult your local AAA agent.

Home and renters coverage is not available in Louisiana (LA).  Auto insurance in LA is offered by ACIIE. Insurance coverage is not available in NY.


The California Earthquake Authority (CEA) is a not-for-profit, publicly managed, privately funded entity.  We contract with the CEA so that they can provide earthquake insurance to our insureds.  The CEA provides two-thirds of the residential earthquake insurance policies sold in California and has become one of the largest providers of residential earthquake insurance in the world.


1Available for Homeowners (HO3) and Condominium Owners (HO6) policies only.

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