Insuring a condominium or a townhouse is different than insuring a home. These units have an association’s master insurance policy that likely covers damage to the structure and communal areas. This means you may be responsible for damage to the interior construction, including drywall, flooring, fixtures and much more.
AAA Condominium/Townhouse Insurance can help protect your unit and your valuables when your Homeowners' Association can’t. This coverage is only available for California residents.
Get Great Coverage Without Extra Premiums
AAA excludes less and pays more for a variety of belongings, without costing you more. You are refunded your full purchase amount.
More Coverage in Case of the Unexpected
Our Loss Assessment Coverage provides up to $25,000 at no additional premium for a covered loss. Other carriers only cover up to $1000, or provide no coverage at all.
Get the Most for Your Claim
We’re here to serve our Members first. Our adjustors are trained to carefully review your policy so you get the maximum allowable for your claim.
Rest Easy with Generous Coverage
AAA Condominium Insurance pays up to 150%** of your home coverage limit so it’s easier to rebuild your home, and your life, after a devastating loss. Some carriers only pay up to 100%.
Flood Emergency Assistance
If your unit becomes uninhabitable due to a flood, we will provide up to $3,000 for living expenses. We are currently the only carrier to offer this assistance. It does not cover property damage, so a flood insurance policy should be purchased.
Smoke and Burglar Alarm Discount. If you have a smoke alarm, burglar alarm, sprinkler system or if your unit is part of a gated community, you could get a discount.
Multipolicy Discount. Save when you insure your car and condominium or townhouse together. Get an even bigger discount when you add earthquake insurance. Find out how.
Professional Discount. Ask your Agent which professions apply.
AAA Membership Discount. Members automatically save up to 5% on your insurance.
New Policy Discount. Get up to 7% off on the first three years just for being a new policyholder.
Renters Insurance Certificate. Rent out your unit and, if your tenant has their own renter’s insurance, save up to 3% on your policy.
Assurance+TM. Talk to your Agent to find out how you can save even more on our most popular optional coverage.
Water Back Up or Overflow Coverage
In case of a water back up through sewers or drains from a sump pump, we offer up to $10,000 for loss.
Rebuild to Green
We offer up to $30,000 to rebuild your unit to meet eco-friendly standards.
Mortgage Payment Protection
If you can’t live in your unit because of fire damage, we help you with additional living expenses, plus pay your mortgage for up to $18,000 or up to 12 months, whichever comes first.
Replacement of Personal Property
We will replace your damaged, destroyed, or stolen valuables at replacement cost.
Get the best coverage for you. Find out how to determine the right amount of coverage for your condominium or townhouse and your personal property.
*Payment of claims subject to policy terms, conditions, and exclusions.
**Applies to Coverage A – Dwelling; additional premium applies in Nevada and Utah. Please refer to your policy for full terms and conditions.
The availability, qualifications, and amounts of coverages and discounts may vary from state to state and there may be coverages and discounts not listed here. In addition, other terms, conditions, and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your AAA agent.
California License #0175868.