Home Insurance

Bundle auto and home insurance for big savings.
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Limited Time Offer

Get a FREE AAA Smart Home security installation (a $175 value) plus $200 off equipment when you get a new home insurance policy.

With coverage for your home—plus reimbursement for valuables that are stolen or damaged*—AAA Home Insurance brings you peace of mind, and now, trusted home security with AAA Smart Home.

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Bundle and Save with AAA Home Insurance

  • Save up to 12.5% with multi-policy discounts*
  • Save up to 12.7% or more on your auto policy with a home insurance policy*
  • 5% AAA Member discount

AAA Home Insurance Gives You More

AAA Home Insurance isn't just about your home. It's about the people inside, too, and making sure everything you need is there with you.


Dwelling Limit of Insurance

Provides coverage to repair or rebuild your home in the event of a covered loss.

Other Structures

Insurance that protects other detached structures on your premises, such as fences, a tool shed, detached garage, a swimming pool, etc.

Personal Property

Covers personal property that belongs to you, including furniture, appliances, and rugs. Special Limits of Liability apply. Talk to an agent for details.

Jewelry & Other Valuables

Your homeowners policy may cover jewelry, watches, and collectibles if they’re stolen or if they’re damaged in a fire, for instance. (Most policies have a coverage limit per item.)

Scheduled Personal Property

(Optional)
Additional coverage is available for high-valued personal property, such as jewelry, fine art, or musical instruments.

Loss of Use

Loss of use coverage may provide coverage for additional living expenses if your home is uninhabitable due to a covered loss.

Personal Liability

Personal Liability covers you for personal injury, bodily injury, and property damage in the event that you are found liable for those losses or damages (for example, if you were to be found responsible for a fire that burns property belonging to your neighbor or landlord, if you are a renter).

Medical Payments to Others

Provides coverage for medical payments and expenses incurred due to an accident causing personal or bodily injury.

Unexpected Items That Are Covered

Have questions about what unexpected items homeowners insurance covers? We've got answers.


AAA smart home installed security camera in a AAA smart home customer's home

AAA Smart Home

AAA now keeps you safe and secure at home with AAA Smart Home—our new connected home security service. We provide professional installation, 24/7 monitoring, easy mobile app control, and connected devices to give you the best protection and comfort for your home.

A AAA House Manager caulks counters in the kitchen

AAA House Manager

Ready to tackle your home to-do list?

AAA House Manager is your trusted, affordable solution for home maintenance and upkeep. Save 20% on membership.


Landlord Insurance

Protect your rental property with a policy that's designed for your needs.

Earthquake Insurance

If you live in a state at higher risk for earthquakes, consider an add-on or standalone earthquake policy.

Flood Insurance

A flood insurance policy helps cover the cost of damages caused by flooding and rising waters.
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How Much Does Homeowners Insurance Cost?

Get the facts on what’s involved in your homeowners insurance cost.

Family explore their brand-new home covered in AAA Home Insurance

How to Buy a House

Take the mystery and stress out of buying a house with this simple explainer.

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What Is PMI?

Do you need private mortgage insurance?

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What Is a Home Warranty?

Home Warranties guard against unexpected home maintenance costs.

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What Is Personal Liability Insurance?

Get coverage to help protect you in the event of mishaps for which you are ultimately responsible.

an inspector checks the attic of a home

Home Inspection Costs and Checklists for Buyers and Sellers

A full inspection is an important part of buying or selling a home. Here’s what to look for.


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Provide some details about yourself and get a custom home insurance quote online.

*in a covered event

**The availability, qualifications, and amounts of coverages, costs 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. Insurance products in California offered by AAA Northern California Insurance Agency. License #0175868, in Nevada by AAA Nevada and in Utah by AAA Utah. The provider of AAA Home Insurance is CSAA Insurance Group, a AAA insurer.