AAA Homeowners Insurance Login : Home insurance | Get AAA Homeowners Insurance Quotes
Whether you own or rent, a home insurance policy protects your house, condo, or apartment — from replacement costs for personal goods to living expenses if your abode becomes uninhabitable. Here are the standard coverages offered by AAA Insurance:
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Standard Coverage
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Homeowners
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Renters
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Landlords
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Dwelling and Other Structures
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Included | Included | |
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Personal Property
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Included | Included | |
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Personal Liability
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Included | Included | |
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Loss of Use
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Included | Included |
Loss of Income
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Medical Payments to Others
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Included | Included | Included |
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Jewelry and Valuables (With Limits)
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Included | Included |
Optional add-ons go even farther, covering big-ticket items, earthquakes, and more.
AAA gives you personalized service at an affordable price
How Much Does Homeowners Insurance Cost?
There are a variety of factors that make your homeowners insurance cost go up or down. These include:
Coverage levels. You’ll pay more, of course, for comprehensive coverage than for a skimpier policy. And any add-ons, like earthquake coverage, will raise your homeowners insurance quote.
Your location. Home insurance rates vary from state to state. Your cost will also be higher if you live in a region that’s more prone to risks like crime or natural disasters like hurricanes or wildfires.
Your home’s condition. If you own a century-old house with a mansard roof, or a midcentury modern pad, you’re living in style! But know that you might need to pay more for home insurance if your abode’s innards—pipes, electrical wiring, and such—are outdated.
Your home’s value. If you have a large, custom-built house done up with Brazilian walnut floors and Murano chandeliers, you’ll pay more for home coverage than someone with a more modest home.
Your claims history. If you—or the previous homeowner—have filed claims in the past, your insurer will expect that pattern to continue, which could raise your rate.
Safety elements. You may nab a discount if you’ve got a security system to deter thieves. Some insurers also offer a better deal if you’ve installed a sprinkler system, storm shutters, or other features.
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