Bundle auto and home insurance for big savings.


Get your free quote:

Ready to chat with an agent? Call now: 844-693-6669

Home Insurance

Bundle auto and home insurance for big savings.

Home Insurance

Get your free quote:

Ready to chat with an agent? Call now: 844-693-6669

AAA has the coverage options you need.

Whether you own or rent, get coverage for your house, condo, or apartment with home insurance.

Whatever your situation is, a home insurance policy protects your assets — from replacement costs for personal goods to living expenses if your abode becomes uninhabitable. Here are the standard coverages offered by AAA Insurance:

Dwelling and Other Structures

Can help pay to rebuild or repair your home or other structures on your property if damaged by a covered peril. Not covered by renters insurance.

Personal Property

Can help pay to repair or replace your belongings if they're stolen or damaged by a covered peril, such as fire.

Personal Liability

May cover you or a member of your household when you're legally responsible for property damage or injury to others.

Loss of Use

May pay living expenses if your home becomes uninhabitable.

Medical Payments to Others

Can cover injuries that happen to a guest in your home—regardless of who's at fault.

Jewelry and Valuables (With Limits)

Can cover your valuable belongings if they’re stolen or if they’re damaged by a covered event.

Optional add-ons go even farther, covering big-ticket items, earthquakes, and more.


Provides extra coverage for liability claims that go beyond your regular auto or home policy’s limits.


Cover the cost of repairs to your home, replacing your belongings, and additional living expenses if your residence is uninhabitable.


Can reimburse you for damages caused by floodwaters to help you fix your home and repair or replace lost belongings.

Scheduled Personal Property

Provide greater coverage of valuables that cost more than your personal property limits.

It’s common to wonder how much coverage you really need and smart to base your decisions on clear, reliable information. Our experts can explain the ins and outs of every policy—and help you find what’s right for you.

Happy family of AAA members enter their new home

How much does homeowners insurance cost?

In the U.S., the average home insurance costs about $1,200 per year. According to Zillow, you can expect to pay roughly $35 per month for every $100,000 of your home’s value, though your exact cost will depend on your unique situation.

Learn more about homeowners insurance cost

What is replacement cost coverage?

Replacement cost coverage pays the amount it would cost to replace an asset. (Some insurance policies pay the asset’s depreciated value instead.)

What does PMI mean?

Private mortgage insurance! If you put less than 20% down when you bought your home, your mortgage lender may require you to carry this. 

What is a home warranty?

It’s a type of service contract that picks up where your homeowners insurance leaves off to prevent unexpected maintenance costs.

What is personal liability insurance?

Accidents happen. This type of insurance covers damage or injuries at your home, among other things, so you don’t end up paying out of pocket.

What are the basic steps to buying a house?

House hunting can be nerve-racking for first-time buyers. Here’s a step-by-step guide for getting started.

What should I look for during a home inspection?

Use these helpful checklists when you’re buying or selling a house.

A AAA Smart Home customer monitors her home on a tablet

AAA Smart Home

Save on your AAA Home Insurance policy when you keep your new home safe with AAA Smart Home. Our connected security system features supported self-installation, 24/7 monitoring, and easy remote control via a mobile app.

AAA house manager at work

AAA House Manager

Fix up your new home in no time with help from our handy team of experts! AAA House Manager offers reliable, affordable maintenance and repair services in Northern California. AAA Members save 10%.

Home insurance provided by CSAA Insurance Group, a AAA Insurer.